What's the point if > 99% of world's population will be priced or regulated out of using it?

Just a counterpoint to the (valid) question

everyone boasting about utility and scalability, but whats the point if no one uses it?

Clearly, network effect is extremely important. But what if the purpose that requires the network effect is being constantly diminished until the network effect becomes secondary because speculators are doing their business on just a handful of major centralized platforms (where they can be controlled like sheep - it just takes exchanges talking to another just like casinos do).