I'm kind of in the same shoe, made more fiat but have less BTC. I wouldn't say we are poorer, however if we'd have kept all btc we had and would exchange it now to usd, we would probably have more fiat than what we have now. It is still not a loss because you have more fiat than what you started out with. I just got onto Binance, I'm pretty satisfied, they've got quite a lot of different coins so that's good. I transferred some btc from Polo and that's what I'm playing with now.
Wish you all the best!