That the point you don't understand, it's not about money, it's about control. You are in the "rat race" if you can be controlled, you can have 1 million in bank, you are in the rat race because it's not really yours. Actually, lot of people don't see what's happening in Bitcoin, it's becoming more and more controlled, at some point, we can expect the government will enforce a blacklist or a whitelist, if they have the control over the majority of miners, the network itself, you will be fucked and you will stay in the "rate race", but ok with millions dollars in Bitcoin... I think Bitcoin is doomed to failed not in fiat but in sovereignty, what is the value of something you don't really own ? For me it's worthless. I'm not saving in Gold, Silver or Monero, I protect my wealth against government's robbery, this have real value, independently of the fiat value