I'm holding btc because i believe that in the future the price will skyrocket and if you hold you will gain maximum profit if the price will boom. But i know the risks in holding so i'm just holding what i can afford to lose. Also i don't invest in banks because in our country many banks have glitches, some atm machines have card clonning installed by bad people to stole money and some people lose money in their bank accounts even if they don't withdraw money from it.