The steem economy mirrors what happens in real life. When the going gets good, we get many friends (users) but when the tides reverse, friends run away.
For the first time, I actually encourage people to do this as a leisure. Just like you won't do Facebook as a job. Steem should be a hobby. It may also be an alternative source of petty income.
You must make plans for yourself by getting gainfully employed. That way you wouldn't care about fluctuations in cryptocurrency prices.