yes, I get what you are saying. But if you really have money in cryptos like 100k+ and bitcoin goes into its bear phase again (which will probably happen in about 2 years). Do you really want to hold bitcoin if it's value gets reduced by 30%, 50%, 80%?

I think the long term plan is for governments to install a digital currency, probably a semi global one (e.g. USA; EUROPE and CHINA/RUSSIA on the other end). You will then be able to convert your old fiat currency into the digital one at a fixed rate until its gone. How will cryptos behave in such a time? Probably very bullish, but they many also be subjected to a lot of regulation.. will one then still be able to trade it for the new digital currency? Probably yes... I guess a lot is just very unclear at this point