But how can we possibly get to how things "should be" given our current social structure which essentially says that if you can't make money at something, it's not worth doing?
Economic structure. Your argument seems very similar to what was said about Wikipedia in its early stage. It, too, was in a very competitive market, with high-quality encyclopaedias being made and sold. But ultimately it won because it grew quickly into a vastly superior product for the average user. OSM will need to do that too, if it wants to become ubiquitous. Right now, there are no features exclusive to OSM for the average Joe. It does the same as Google Maps, often worse. Only when it has a competitive advantage I think it will grow, and the map world will be how it 'should' be. I'm not saying I know how that's gonna happen, but I think it must.