This post is very long for your first post, some members here will get tired reading this post. You can just simplify it like, Bitcoin and Fiat are two different types of payment system. Bitcoin is decentralized system that uses cryptography to secure transactions, while fiat is a centralized system that is backed by the government. Bitcoin is not reliable to store of value. It is more a speculative investment, and we people should only invest in it if they are willing to take on the risk of losing our money.