When it comes to business, we know that banks are in danger when people decide to just exclusively use cryptocurrencies intead of banknotes because it would mean they will be out of funds to function well. With this kind of news, if I see something negative and it is the opinion of the bank then better leave it cause they are just doing it for their own advantage. In fact, some banks are already considering embracing cryptocurrencies but creating their own cryptocurrency because it will have more benefits compared to the traditional banking system nowadays like lesser cost and more efficient transactions.
I think it depends on how you manage. Because there is a way in earning bitcoin without taking risk. You can earn without investing. Like joining bounty campaigns in that way you can avoid risking your money.
It would still depend on the person how he handles his funds. If he has more coins and flaunt it to the public through social media then he is being endangered of being hacked or even some people may go to his house to get his coins. Fiat and cryptocurrency are still the same as they are the same money for me so as much as how you guard your fiat, you should do it too with your cryptocurrencies so that in this way you can avoid some risk and will have more benefits from it.