First a little history about how and why fine art has become what it is today. In the past creating a piece of art was a full time job. It required dedication, and it required skills. But after numerous movements within the art world, we now exists in an age where anything is considered art.
Now the hard part for most people, what to put on the canvas. If you can't draw or paint and are not creative the better off you are. Use that lack of ability to you advantage. If you can draw a squarish shape then do that and use bright colors to attract the eye. If you can draw a square, make it a circle.
Early adopters always pay for other consumers. If you want to future proof your life never let emotions drive a purchase. Marketing, advertising and design all fuel desire, but desire is the enemy what we are trying to accomplish. Right after the introduction of flat screen televisions consumers were paying out the nose for a television that would a few months would cost less, be better made and have more features. While these early adopters were the first on the block to get a flashy new device, they sure paid for it.
Shopping has always been about the hunt, it plays to humanities primal urges to go into the wilderness and conquer. Doing the shopping meant a totally different thing a life time ago.