I live in a reality very similar to yours and yet I think differently. Get it out of your head that bitcoin is for the rich, bitcoin is for everyone and always will be, the rich want you to buy ETFs and bonds backed by BTC, they want you to use stablecoins that use the LN network while they buy more bitcoin. All this to distance you from a system that doesn't need them.

Your reality of not having a single fiat left to save it in bitcoin is the reality of many, but it can't stop you from saving a little and not giving anything to them. Even more so your currency that erodes its value every second, taking away from you the effort of your work for the tastes of your dictator. Bitcoin is what will save your work from being destroyed.

Do a simulation of having saved your month's salary in bitcoin for any period of time to see how much it outperforms your fiat.