I think that the holder can be in two cases.
1. If a person truly believes in the coins that hold. The whole is a great option. For example, I believe in Bitcoin, so I hold it and accumulate it.
2. A person has a lot of money and doesn't want to engage in trade and trade education. He is satisfied with what he does, so he chooses a coin for holding
the two case the you have stated above are i think both the same . both 1 and 2 are normal traits of a hodler . for me the two cases of a hodler is number 1. ) this kind of hodler is calm and verry aware about the market situation . he knows that cryptos are volatile and fluctuate at all times .
number 2. ) this kind of hodler do always panic because he is lack of experience and most of them are newbies .
both kinds of hodler that i list above are prone to dangers of unstability of the price .