Great article and some very valid points. I think crypto's are a long term hold for investment purposes. They are extremely volatile and risky as you have noticed, and you should never risk something unless you are willing to loose it. For me I have never had any wealth and risked the little I had to potentially make something. I sold everything I own a year ago and spent it all on cryptos, so far I have made a solid 8-9x on the whole. I think if you are going to hold for 3+ years it can be a safe bet