That's all true if we are talking about money that is sooner or later needed to pay something with. Of course it's highly speculative to hold any BTC if it's about storing wealth because of the unknown future value compared to fiat. It's like with any other asset. There are no guarantees in any market. I don't get what you are trying to say here. You shouldn't focus on the 'problems' that are the same within each other asset. You should rather focus on it's specialties against everything else. Bitcoin has a huge potential (in several ways) and that's why people are willing to invest in it (speculate on it).