If i have 60 btc I will start a business so that I can have a stable income and give some for my family then invest some more coins to keep up the income and then save it for future purposes.
strongly agree with you that some of it is better used for business, but if you can run a business too.
better some remain in bitcoin and some are placed in altcoin that already exists in the market and don't place it on ico, because many fail and don't grow alias scams.