meaning a penny is "earned" because it loses value over time due to inflation, what is simply a penny saved (as a bitcoin). Is Benjamin Franklin trying to tell us something about our inflationary money supply?
Obv, saving fiat is as dumb as you can go; so there may be some meaning to what u are saying.
Anyway you put it, economic system was allways made so that average person is making that 1% happy.
Same thing would happen if the whole worly used bitcoin only, rich ppl would find a way to obtain 99% of it.