Right now, they may be able to buy a Lambo but they can't buy real estate in the US. And probably not buy food or most other essentials. Cashing out some of their cryptocurrency gains for fiat would ensure financial security.

I remember the stock prices people were assuming would come to fruition in 2000. Most of them were wrong. A lot of people lost their best shot at being set for life... or getting a house... or whatever else they would have done trading their stock options for fiat. Even worse, some of them were left with nothing but a big tax liability.