Our money is a fiat currency that is not a store of value, it's only a medium of exchange.

Agree.However from all investors, there's nothing crazier than Microstrategy, this is the only company on earth that's accumulating crypto in their book and having more crypto as collateral.

It's entirely another to say, "I have a great opportunity to make an almost guaranteed 13% annualized return, regardless of what stocks, crypto, or lumber does over the next year."

That's my mindset and why I invest heavily (more stocks/crypto up until recently) instead of paying off my student loans.

Work hard at your job, then ask for a raise, start a side business - get really good at something, BUDGET - reduce your living costs and discontinue the non essentials, and stick to the budget, learn to invest and put every penny into something, whether stocks, crypto, or an index.

On your second point, what would cause the US dollar to not be the world reserve currency? 

@Steven Lowe  Look at the exchange rate of every currency in the world since the pandemic, everyone's in worst shape than we are. 

I also recommend you study past and present economy and fiat currency (good lord, this is boring to me, but so important), to better understand what's happening and where our economy is going- as it will help you invest wisely, and understand crash/boom timing.

This site is great if you are looking to invest into real estate, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, crypto, or tax and legal guidance.

Imagine if we were trading stocks or currency and all we did was talk about the magic and positives of margin trading, without ever talking about the negatives.