The only way to stop getting caught in schemes is to be educated about how crypto and economics work in the first place.
I'm not talking about EVM-bytecode level or keccak256 implementations of course, but a general understanding of what is what.
Crypto is not going to work in the sense the original authors envisioned it. It is trying to solve social problems with very poor technology. Social problems you want to be solving differently to be successful
Your example makes sense in countries like Canada ( till 2021 ). Who knows when US or Germany or other west country will start to play against their citizens like in Canada?
I think probably faster than later because it goes into comunist like states direction where country want to run every citizen life ... like it happened in Poland after II-WW