You must be new here. HODL doesn't mean "getting out at the right time." HODL means to clutch those bitcoins tighter in your fist as the price declines ever lower.
same misguided affliction. It's not going to take off if they're locked in a cold wallet.
A ship is safe in harbor, but that's not what ships are for.
― William G.T. Shedd
Same misguided belief that you do know what bitcoin is for. You seem to believe that it's for transfering your fiat across the internet and somehow think that it's the main and only purpose of it. However, you are infinitely far from the truth, which noone actually knows fully - we are now a bunch of monkeys with an electronic microscope. Sure, you can crack coconuts with it, but smarter monkeys have a vision that it might be used for more. And that you don't need to crack open every coconut with it to get there.