How you worth your fiat is like how you worth your bitcoin because it is both money, i think it is good to treasure every bitcoin you have because the value of bitcoin is continuous rising it will brings lot of profit soon.
But, like you many people are finding the investment option of bitcoin for gathering benefits from bitcoin for their interest with bitcoin system. But, I find many other real life advantages of using bitcoin system which are making me to worth bitcoin more than other systems like WU or paypal. In my personal opinion bitcoin is more worth just to replace bank system, yes bitcoin is worth for that also it has all the potential for replacing banks.