As long as you know your money is safe in bitcoin or bank and you will notice the big difference of that two, bank is 100% safe your money while in bitcoin 99% your money at risk but it would be gives you big income in times that the price of bitcoin would go high.
That is right. I think it is better to understand the risk and invest in the bitcoin and keep the bitcoin to yourself, you will be rich.
holding your fiat money in bitcoin is also investment but it is a safe investment, but i think if you have some experience in gambling then you can also invest your money there but you need a good luck also if you want to make money in gambling.