Certainly, millions fall below poverty line but that line is quite high.
Sure, but the fact remains that the lowest income workers have seen the most wage stagnation or real terms decrease, while those at the top see the biggest real terms increase. The gap between rich and poor is widening, not narrowing.
To me, fiat money is still better because it doesn't fluctuate too much.
I mean, you are half right. If you zoom out and look at years rather than days, then yes, fiat generally doesn't fluctuate up and down that much - it just continues its constant and steady race to the bottom.
You have to work all the time because all your saving are secretly stolen by devaluating them.
That's it exactly. Because of the constant money printing, the constant inflation, the constant devaluation, it's not enough to just "have" fiat. You have to spend a great deal of time (or a good chunk of fiat to pay someone else to do it for you) balancing investments, assessing risks, opening and closing accounts and portfolios, moving fiat around, etc., always trying to beat inflation. And even then, sometimes you are lucky just to break even.