That depends. In both cases you are worried about earning fiat, not bitcoin, which goes against the idea of Bitcoin itself.
Furthermore, holding bitcoin expecting to get rich later is what happens among most bitcoin buyers and probably the HUGEST barrier to bitcoin growth and adoption. Bitcoin should be used as a currency, to buy and sell things. Sitting on huge amounts of bitcoin can be profitable in the long run dollar/euro/yen/general fiat wise, but it does not make Bitcoin work the way it should.
It is a coin, to be used for trading, not an antique artifact to hold until its value grows exponentially and you convert it back to conventional money.
And I'm not blaming anyone directly, I have this mentality myself and only used 5% of my bought bitcoin for shopping.
But you can't tell people what to do with Bitcoin. It's normal that holders feel like they are wasting money by buying something mundane like doing groceries or a cup of coffee with BTC when you get no benefits by doing so, it feels like paying with gold.
In the future when goverment get rid of cash, then it will make more sense. Meanwhile im holding all of it.