If you have a family to feed, bewaring from a 50% dip on your income can't be under any circumstance be called "to be a moron". There's nothing like "fiat maxis" on average, for on average people do not even understands fiat. No one who seeks keeping value worries about "how much will I earn". An example is Argentina, where everyone saves in dollars simply because it's stable and saves value, no one sees it as a means to earn anything, just not losing.