everything is risky when situation is worst , what you say may work when everything is good , but just look at situation now there is no money with people like some months before , no demand in market so saying bitcoin is not risky is not correct at all see the recent fall many would have lost what they have gained in months in a day is this not risky ?
The risk are there especially if the market is not good, knowing that there's virus that keeping everyone to think twice before investing or placing
any new money, this investment currency needs to study more before you proceed and place your money around.