The OP has an investigated his imagination in a Dystopian Future, and used little creativity to solve problems.

1) Bitcoin is more like a voluntary wealth redistribution virus (don't use it if you think it is like rat poison)
2) Bitcoin is more likely a bankers nightmare, no fractional reserve banking.
3) if it ever stops serving the majority, switch to an aultcoin, or start one that is created on a normal distribution curve as apposed to the step function that rewords early adopters disproportionately.
4) you can always erode the wealth of the ultra rich by saving (the rich can only earn by providing value to encourage you to spend) as apposed to saving in fiat you wealth is eroded by inflation that benefits the 1% who borrow new money into existences mechanize production or distribution thus robbing you of productivity in the now.