if you're poor and want to save with bitcoin you'll have to be extremely efficient managing your utxos and plan for very few top-ups, maybe once a year

the interim will have to be held with dollars

look at it like a bit more liquid real-estate  

 You don't have to stack in fiat. You can still stack in some custodial solution. Ideally some uncle Jim and not some Coinbase. 

 Chaumian Mints will make this easy and hopefully the default for most people.