IMHO it's not an eligible rebuttal.

Environment in which one grow up contributes a lot to whether someone grows up to be 'good' or 'bad' person. And this probably was the point of OP. Fiat environment will skew the distribution towards 'bad'.

If you have hard money that gives you robust saving tool, your attention can go away from 'running on a monetary treadmill just to stay relevant' towards other things.