For me, exchanging money for bitcoin is saving your money. You will get profit while your savings is in bitcoin. If the price starts to go down, exchange it to cash then buy again when it reaches its lowest price. I might say trading is like saving your money but you will have to be alert on the price of bitcoin.
Yes, it is also true. But if you want not to lose any amount then you can just save it for a long time and don't exchange it so you can have a lot of money in your wallet.