'Change to fiat and hope it goes up'
Why would I change it to $ and then hope to go up?
Because you don't know what will happen to the Bitcoin price in the future and if the price theoretically goes down you will end up losing money in the end. Plus if you have exchanged the coins into cash and put that into a savings account you will have enough money every month to buy yourself a new car with 0 effort. Just saying

That's stupid.