BTC will never reach 1 Million $ per coin.
I know this as i am an unlucky bastard, so BTC will most likely go to $0 and all my invested BTC money will be lost. (Yes, i own quite a few BTC)

This makes no sense. You aren't unlucky and I can prove it. Sell all your BTC and cash out today and walk away. See - you just made a lot of money. You lucky as hell.