You make a good point. BTC isn't a debt instrument, therefore is scarce. I've heard many PM enthusiasts make the same claim about gold/silver etc...Both are valid and is why I diversify in both and away from traditional savings accounts w/any banks. Holding money in a bank account, for very long, is about as effective as watching your banana's rot right in front of your eyes. I do keep a savings acct w/some cash in it but only for and emergency. The rest is being divested into assets w/real future value.