bitcoin's max supply will be reached in 2140 and you will be dead, so during our lifetimes, why does bitcoin have higher inflation than monero?

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It doesn't. Bitcoin doesn't have inflation... That's a distribution schedule. Not an inflation schedule.

If fiat money stops printing, would you say it only had a distribution phase up to now, and never had inflation?

Fiat has never had a fixed supply.

It was only a distribution phase, but if the printing machine stops working that stops the current supply is the new fixed supply forever.

A fixed amount was never defined. It has to be fixed from the beginning.