OP to be honest, in the society where I live the person you are explaining, works hard to earn a living only, he doesn't dream of luxuries and in my view, he spends a peaceful night after eating a good meal, the only problem is he faces sometimes is the worries of earning for his family, they earn and eat they dont focus on the savings. Here I'm not going to mention the challenges and how struggling life they spend but I'm trying to explain in their point of view they dont need Bitcoin, actually Bitcoin is the source of attention for the middle class.
Bitcoin won't even help him a lot as well, because he cant invest enough money to jump from the lower class to the middle. At the same time when we are gonna compare the expenses of our life with them I mean middle with lower classes there's no match obviously.
The investment term is not for everyone because not everyone can afford to invest and take the risk of 2 meals, I think this is where our entire financial system lacks.