those who learn about it
those who preserve their privacy and security
... in terms of fiat value in your original question; there are other methods of acquiring crypto, even exchanging your skills for crypto directly, free airdrops, mining small amounts of low difficulty coins. I believe we will see more of this as time goes on and more fiat currencies/central banking policies continue to fail or hyper-inflate
They shouldn't look at it as an investment opportunity, they should learn WHY bitcoin came about and how money/society came about.. the investment opportunity is just a by-product of it