This is going to come to a surprise to many on here, but at the moment I'd rather have paper (US FIAT) money. It's something that I would be able to actually use in my life with ease, and even though I love crypto and everything I have to be honest about what I think and see.
Plus for the fact that if i was to have bitcoin right now, I'd be paying a very high amount in fees if I wanted to actually end up using this money.
Bitcoin has seen a lot of action during the past few months. There has been huge volatility in the price, and there are many people that are investing in it without knowing what it really is. I think in the begging, it was people who were idealistic and investing in it long term. But then it became about people who are just putting money on it simply for the fact the price has been rising.
I think what really makes paper money safer than Bitcoin is the fact that governments can ban it (to a great extent). (The price was going to continue rising, but I think that announcements from governments about possible regulations are the reason why prices aren't rising like that anymore.)
That's probably the reason why fiat money would be preferred by many over Bitcoin.