How the cryptocurrencies and the ICOs can save the Middle Class ?

Nowadays in the Western countries, the Middle class is sinking , like the small entrepreneurship. We believe there are two main reasons :

1. the real ability to work, it means to ADD VALUE is disappearing. Rich manage their assets, Poor people work for salaries to afford food. 
2. Banks are in really poor situation and being rich or poor helps… because both have sustainable financial ressources (by the stock market or with a social support). So, an entrepreneur even with a sustainable project will have a tough way to get a loan by the banks.

So, why not using Cryptos or ICOs , at early stage, to provide financial liquidity in an entrepreneurial project ? Cryptos are not a sustainable reserve of value with no regulations and a huge volatility, We believe the technology can provide a great tool to support entrepreneurship.