It should be used as a currency and not alone as an investment assets
I know a lot of people who hold a part of their wealth in the form of physical cash.
They are lucky who are holding it, because as time passing crypto currency is gaining value and importance so in shoes and markets digital money will be acceptable and real or fiat money will lose value, in several markets when you go for shopping they will first offer you to pay with digital money because it is our future, holding your money as crypto saves your future.