I dont agree fiat rich ignored Bitcoin many years. Right now we are very early and fiat rich dont have to buy in yet tbh. 14 months ago $20k would buy you whole coin. Very affordable. If you studied Bitcoin for many years you are still well position to make better decisions than fiat rich. Many will sell at 100k and buy in at higher price. 

I see different taxes in different countries/regions as governments will try to lure you in with best offer. If Bitcoin wins and we will have more robust layer 2s, nobody will want to sell anything for anything else than Bitcoin. Governments wouldn’t be able to afford bailing you out. Maybe you get a loan from someone, maybe you go bust. Either way no free riding. No staying on top of the ladder without producing value.