Bitcoin is risky indeed, mainly because it's on an Online wallet and it's open to cyber attacks, but when using a hardware wallet it minimizes the risk, In my country safest places to keep your money is government banks, they have a guarentee, it's a small interest but it's the safest one in here, and there are threasury bills and Bonds, that we can invest short term and long term, they also guarentee our return, it's a bit more interest than savings account.

But the problem in my country is many people put their money in the private sector, Fixed deposits, that pay a 2-3% more than government banks pay, and throught history many times they got scammed by them, and very recently another company went down. So there's that risk getting involve in scams for the difference of few percentage.

but when we use a hardware wallet not only we can minimize the risk, or may be completely safe from it, and also have great profit with market prices.