Well, I guess it's not. New rich people is coming :^)
Do you know of any people that went bankrupt because of crytos? I read an old thread on Bitcoin talk, after Googling the subject, and this one guy lost like $400,000 of his retirement. Hadn't told his wife yet. But this was many years ago, so hopefully he hoarded some Bitcoins and recouped.
That's why you shouldn't shit through Bitcoin, even though it has a potential. Keep in mind, that Bitcoin market is really risky and by doing that you are agree to take the risk and responsibility.
of course it would be better to use free money to invest in bitcoin, because basically this market is at high risk. although it is a pension fund, it is not yet free, because the wife does not know. and I am sure your psychological condition must be interrupted at this time