I believe, this concept is not entirely new, although I really like the way you write about it here. In the past, I think this is what was meant by 'middle class'. These were people who had disposable income as well as disposable time. They could pursue interests outside of using all their time and money to cover their basic needs. These were the people who invented most of the revolutionary things in our world and brought about a much better quality of life for everyone. Unfortunately, this has disappeared with the lie that is fiat currency. No one should ever use fiat to save their money, and that is what people have been doing.