Bitcoin is indeed more risky, but think about it.. When you invest in a bank, seems like you just lend your money to them without any interest. Just check the annual interest of bank in Philippines, it is less than 2%.. Do they think we can live with 2% interest in one year?! Who invented this kind of investment?! They are joking. Compare to bitcoin.. Yes, it is risky, but you will have a money back of more than 2%.