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I'm sympathetic to your perspective and held the same one for a long time. I consistently have to check myself even now. Those who are struggling, and I'd include myself in this, are not struggling because of a failure of Bitcoin, but because of personal finance. Spending less than you earn is the only place to start. Only then can you invest the difference in a new system that will measure deflation and reward a low time preference. Bitcoin will always 'go up' when measured against pieces of paper over a long enough timescale.
In general ai agree, however when the barrier to sound finance (without significant lifestyle compromise) is raised every year there are smaller and smaller percentages of people who can maintain the balance. Additionally in considering 60+ retirement age people there are 'fixed income' options, but all are risky and losing purchasing power from what I can see.