I think holding and continuing to buy.. .and continuing to buy is likely one of the better things to do to continue to reinforce the practice of accumulating bitcoin until reaching a status of sufficient or overaccumulation.. which surely I think will take many normies 4-10 years or longer to reach such status of overaccumulation unless they are able to either front load their bitcoin investment or perhaps to be able to invest into bitcoin at high levels of their income.
If people are so comfortable in holding fiat, I don't see why they shouldn't hodl bitcoin comfortably for years, which will yield good profit.
You are right some set of people says holding fiat is different from holding Bitcoin because when you are holding fiat there will not be a time when your amount of money will reduce but that in Bitcoin your money can reduce at any time because of it volatile nature but what they forget to understand is that fiat reduce in value and when fiat value is reduce it means your money has no much value anymore like before what you can buy with $1 may now cost you $2.
In my country right now our currency value has been reduced because of economy issues and when you want to buy anything you now you have to use a bigger amount, for example if you where buying TV for $20 before in my country is now $50 and this is one of the disadvantage of holding fiat and again holding fiat those not add any profit but holding Bitcoin those and if you are very much consistent and patient in Bitcoin it can change your life and make you financially stable.