We understand how currency works and the proper use of good and bad debt .

Ok, then the question shifts to the overall Fiat currency system.

If demand for petrodollars falls...it would dethrone the dollar as the reserve currency which would cause countries to dump their Treasuries...inflation...we are talking mega trillions.

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

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

Double check property and transfer ownership rights and  currency transfers.Prospecting, buying, managing, sellling.

I was.It's the difference between having "money" and having "currency". $1,000,000 in gold vs $1,000,000 in dollar bills. 

People buy Crypto all the time and have no idea what they are actually purchasing, hoping things go up (foolish).

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.

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.