Very true and to add to your point, you don't invest in fiat, you save in fiat, that's the right concept. You can choose to either save your money in the form a fiat in the bank and get very small returns quarterly or annually or you can choose to invest actually invest your money in Bitcoin, I said Bitcoin because it has proven to so far be the safest cryptocurrency with the best framework to invest in.
But whichever you choose is strictly your decision but while you make that decision I'll leave you with two points to note. Choosing to save your money in fiat may look like the safest way to save your money but that's what the bank wants you to believe while in reality you're simply enriching the bank and risking your money, why do I say so? We all know that inflation is hitting globally in an unimaginable way, thereby affecting fiat in ways you can never imagine. Save $100 in your local bank today and come back to check on your money after 1 year, it's still the same $100 but inflation would make that same $100 depreciate in value, less valuable than it was 1 year ago, so how is that a safe investment? Never fall for that bank trick.

But if you choose to invest in Bitcoin today, check back after 1 year and you'll see what a wise choice you've made. Sure there may be periods where Bitcoin would experience crazy ass dips and if you're not sure of yourself you may take out your money and that's when you loose, but if you overlook the pressure of dip and leave your money there, then you'll reap the reward of your patience and for making the right choice. One rule of Bitcoin is, you loose when you take out your money, but if you don't take out your money, you'll always gain. So consider this points before choosing where to put in your money.