All this could be simply put as investing.
Money they say makes more money. The richest people in the world today are not known to work by themselves but, they’ve been known to figure out means to make their money work for them. That way, they don’t get to put in more of the effort but, through their financial power, they are able to employ those who will.
Saved money don’t make you any money, at most, you get a tiny profit from the bank which has no significance when matched with what you’ve got saved and yet, it’s affected by inflation but,
Invested money, either Bitcoin, products or other assets of real value, they continue to appreciate with time and as money continues to devalue, they also continue to increase in value.
Buying a "thing", and not keeping your cash as cash, is a very good investment. However, that also depends on what you are buying, if you are buying real estate, crypto, gold, and similar stuff then it is great. But people keep adding stocks to that, however that is not really guaranteed at all.
You need to realize stocks are not just one big thing, there are thousands of stocks, in every nation, all around the world. Some will go up, some will go down, and not all will react the same way. If you can do that, then you are going to end up with some good results, and that should definitely be important. I can see why that would bother people, but stocks aren't that much of a one time thing for the long term, and needs to be careful.