Better invest in crypto. They at least requires some work. In a case of fiat, they can be drawen easely.
I'd rather choose physical money. Because its easy to used when you spend and when you travel. Unlike electronic money their is a place that their is no atm machine
It will not be the right decision because the bitcoin is helping the people now, I have the bitcoin investment and the money of the bitcoin will be high if people will buy the bitcoin and will hold for the long time, I have the bitcoin and people who are helping the bitcoin user will buy the bitcoin and will hold the bitcoin for the long time as much as you will hold the more you will get through it.