Actually some subjects on YouTube do have high-brow discussion, they're just not the millions-of-views kinds of subjects. I did a bunch of videos on quantitative finance, the discussions on those often involve talking about calculus, questions about assumptions in financial models, etc. The comments actually add a lot of value to the videos.

One nice thing is that the anonymity means that real finance people can comment without worrying about their employer finding their comments. All the best financial discussion areas have to have good anonymity for participants to get people from industry involved.