then you can only retire if you have enough crypto in the deepest, darkest bear market.

Exactly. Too many people go "full crypto" at the highs, as if it will never go lower again. It is silly and leads to a massive waste of potential, as they haven't the fiat coming in from a job to cover their lives, so keep bleeding token mass.

It is harder than people think to sell the top - most don't - I know I didn't.