I think I have to agree with you on this since holding has been the tool in the past, not for the future.
To make real money, people need to actively invest, trade and mine different coins simultaneously.
It's not an easy task though, since lots of sophisticated math, calculations and statistics is involved.
So make some good money out of the crypto business, a decent amount computational power needs to be involved to get the things done (make correct calculations).
Luckily, distributed computing is getting into this, so ordinary people without specific technical knowledge can enjoy the benefits of the market (although a solid investment needs to be made).

Good luck with HODling!