Even your own local money have a possibility to collapse or go down. This is about " the only constant in this world is changes", back when I was in secondary level. How about more in crypto currency, expect more than the usual, sounds like " expecting the unexpected". But, don't worry too much, if you are not comfortable, go find other profitable token as well. Just choose coins that has a good foundation ( for example, a project that has a multiple famous company partners ).