What are you even talking about? Bitcoin is just a tool people can take advantage of to transact with or to hold wealth with. Bitcoin can help people be more financially responsible and save more money, but at the same time bitcoin could be used to buy addictive drugs that could potentially destroy a person's life. How 'good' or 'bad' it would affect a person's life totally depends on the person using it.
You got it right! There is no sense in asking if BTC can make a person's life better as it is not BTC that determines someones' life but rather the decisions made by these people. I agree, BTC is just a tool and you can choose to utilise it or not, up to you. Whether you decide to use BTC to improve your life or make it worse- again your own decisions- but do not blame the tool but the person using it.