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Excluding people without money sounds like the opposite direction the internet should be headed :(

You're forgetting about the part where the same system can provide those people with an income. Excluding people from the global financial system, imo, is the opposite of where we should be headed. The notion of paying people for their contribution to the network, no matter how small, is discussed in "Who Owns The Future"

How do you make money on web3 without the upfront loading of cash into a crypto wallet?

In the existing state of things, you can get involved in a community that "air drops" a token, you can run a network node, you can play a P2E game, or you can sell NFTs that don't mint until sold. But this is super early. "Who Owns The Future" describes a model of revenue sharing that will require extremely cheap micro transactions.

This is where all blows up. Where there is absolutely no free tier. That won't be digested outside the crypto community.

I see web3 / crypto is a playground for few, with their rules / utopia, but let's just call it crypto, not web3. Web3 should be universal and free, as its predecessors.

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