Crypto need to hold to earn huge profit.
LOL. Just one big pump of bitcoin and every other people has been talking about this same thing. Do you realize the pain that hodlers had to go through in 2010-2013 period? Only those who managed to survive that run and possibly unknown fate period of bitcoin managed to sell at 20k USD and get "huge" profit.
If you hold fiat you can't increase your money for the time passed, we need to seperate our own fiat money with our digital money.
Do you understand that fiat money gives you a chance to convert the volatile crypto asset to a stable coin like USDT for a short period of time in case the market goes sideways? I believe you should look into what USDT is and how you can use it to your advantage forgetting about what the negativity is surrounding it.