Well, the higher the price of goods on the market, the lower the price value of a fiat. That is why those holding fiat will increasingly lose value due to eroded inflation. But holding fiat cash is sometimes necessary for emergencies because it's easy to use. And yes, for the lower classes of society at this time they are only struggling to survive by meeting their daily basic needs. Everything they buy is essential things for survival like food for example. for the middle and upper class, maybe they can still overcome the current conditions. and they can still invest and save. because the middle and upper class usually always produce more than what they need to buy. It's just that there are also middle class people who live extravagantly and always buy things they don't really need.
Therefore, the poor do not have to worry about holding fiat and how best to do it, because they simply do not have that much fiat, since they spend everything on food and basic necessities.
Those who can save something will keep fiat, at least some part in the national currency, and some reserve in a more stable currency. And other funds will be invested somewhere, either in a business or in real estate, this has always been a good decision, as it will contribute to further income. For the rich, there will be an even greater opportunity to diversify their finances, perhaps into gold or bitcoin, as their income may allow them to do so. The more you can distribute investments in different directions, the more protected you will be.
mindset that must be changed to be rich. no matter how much our income is, it would be better to set aside a little to invest, so that in the future it will make our life better. it's different with people whose economic capacity is below, they have little money most of them will spend it on something that is actually less needed. therefore many people from the lower economic background stagnate in that position. another thing for rich people who can't seem to let money go idle, they look for ways to develop that money, on the other hand environmental factors greatly affect their mindset