Most people live paycheck to paycheck. Most people have debt. That’s why Bitcoin adaption is so slow. Based on their time horizon, Bitcoin doesn’t help them. Certainly not unless it would quickly increase in purchasing power. But getting rich quick is not the ethos of Bitcoin. That’s why they don’t like Maxis and are vulnerable to shitcoins. We need to solve for that.
Discussion
This is why the work of projects like stablesats is so important. It allows those who believe in the ethos of decentralization and hard money to contribute to the circular economy without putting themselves at risk to short term price fluctuations (because like you said, no everyone is in the position to withstand even small ones). It might not help them keep their bags safe from the risks of centralized currencies since they are still denominating in fiat, but it will help Bitcoin-denominated businesses flourish since the amount of users willing to transact in satoshis will increase.