Don't make it complicated, just try to understand fiat and compare it with Bitcoin, you will know the reason why you must holding Bitcoin.
lastly you can always earn Bitcoins once you have a solid knowledge of it .you can even earn Bitcoins indirectly by teaching others or even running a local exchange and lots more.
Having knowledge about Bitcoin doesn't make you able to earn, it's just a currency. What you're need to learn is a hard skill that you can work and get paid from someone e.g. design, programmer etc. No one want to use unknown local exchange that charge high fees, they prefer to use centralized exchange.