There is nothing wrong with not having fiat to put into SP.
That is part of the miracle of the "broof-of-brain" concept of Steemit. You can come here with no money and, simply by contributing, can earn steem. Over time it will grow. Too many, myself included, want it to all happen in a few weeks. It does not. However, like you referred to, when we compare to what we made on FB or Reddit, we are way ahead of the game.
Keep commenting and adding your insight into whatever the topics are. You have some wonderful things to say. Together, on this blockchain, we are going to do wonders to break the stranglehold the banksters have on humanity. Down the road, when STEEM is $100, the amount of money people will have is going to be incredible. That is why the time to start building is now. Each SP in your account is going to have much greater worth a year from now.
As I am repeatedly writing, this place is going to explode and the token will too at some point.