It's never too late to start benefiting from Bitcoin.

Yes the last people to start saving in hard money will be the last ones to benefit however the moment you start earning in bitcoin you start accumulating wealth due to the deflationary nature, unless your paycheck becomes smaller in exact tandem to bitcoin's purchasing power in which case bitcoin isn't the problem as in that situation it wouldn't be the denominator, so problem would still be fiat. Hence invalidating the original argument theory against bitcoin.