Now Bitcoin is at 5100 level, Eth is at 150 level, Crypto Market Cap is around 170 Bil. USD, I know it's frustrating, but if you will look for the charts of the last bull runs, you will find that bull run comes after this period of FUD and Capitulation.
Prices may drop more than these red levels, may stay at these levels, but will never stay like that, it's not a wishthinking, but it's reality, But if you believe in crypto, you know that good news are coming, Bakket, ETF... etc.
Crypto is not a Bubble, nor a ponzi scheme, it's the future guys. Just Hodl and be patient.
Yes, you are right to the accumulation period, but what is accumulated is the unknown bottom of certain coins. With this kind of investment, you can lose more, and if the coin is not the most promoted one, it will not return to the level you expect. So I think it is worthwhile to give the market some time to recover.