I agree with your ideas. In my opinion just being here, posting, replying and meeting people is a great investment. Some people would like to come and have hundreds or thousands right away but I believe steemit has given me much more. I was able to start playing with cryptos and getting to know what is the whole thing. I lost 50% of what I earn in 3 weeks, then I stopped playing in the markets. I started to invest in myself and trying to make better posts and content here. Doing so, has given me almost 3x of what I made before loosing. I guess we just need to learn as much as possible and that is the real investment, start to amass steem and SBD for the future and when you are ready start playing with cryptos. I believe by the time you get into that stage you will be earning at least few bucks per post instead of cents.