Well, I really don't think that it is a good idea to save money in something like fiat currencies. They depreciate over time, and even if you put your money inside a bank you're just scammed under the fractional reserve system.
Save your money under bitcoin instead, it is a great store of value.
Your last statement will also experience the first one you stated.
Putting or saving money in fiat or virtual currency goes into only one road and that is the road of price fluctuations.
If you put something in any of the currency even it's for saving purposes, it's value will changed as time goes by.