On a serious note, since most replies are "capitalism bad", I will say the same thing but less reductive.

An indivdual's personal essential expenses come from the same pool of money that was given in exchange for work. Basically "buy less lattes and avocado toast" boils down to "budget better because you will have no power to increase your income".

On the other hand, the multi-bilionares that are buying yachts are using their own money to purchase those things and they do not pay employees directly from their income.They could reduce their income and refocus the company to deliver less profit to shareholders to pay their employees more but, if they did that, they would see little return on investment for the money they're giving up and likely lose shareholder investment. If you value your employees wellbeing, it makes total sense to give them more money. If you value people as interchangeable labor, it makes no sense at all since not paying people more has resulted directly in being able to afford an extravagant lifestyle.

Tor relies on exit nodes that are run by volunteers. These exit nodes are limited in both quantity and bandwidth and valuable for activists and others requiring high levels of privacy for the clearnet. I2P does not access the clearnet by default. Instead I2P is peer to peer focused and is setup ideally for torrenting privately. Basicaly Tor would be overloaded if it was used heavily for torrenting. I2P instead gets more robust with eachadditional user.

Yubico Authenticator and Aegis depending on the importance of the account. I have a secondary Yubikey for quick access backups and a keepass database exclusively for my TOTP keys that I backup to my nextcloud server in real time with versioning. Similarly, I backup my Aegis backups with the nextcloud app.