Fiat money isn't a pyramid scheme. You don't buy in on the assumption of future market growth that will drive up the value of what you have. You expect your fiat to become worth less, not more, over time.
Wow, so if bitcoin is or isn't pyramid scheme depends on your assumption when you buy it? That's a new one. Than i guess I'm safe because i bought it to buy goods with it, never expected that price will soar so much.