Every one sees cryptocurrency as a means of payment, but I rather see it as store of value. Something like gold or real estates, but it is much better because nobody can steal it, even the political situation change in your country, nobody can take your Bitcoins. Those who lived in communism know what I'm talking about. 
Most of the people see it as both, but cryptocurrency is terrible if you want to store your assets because of volatility, it's really risky unless you want to take the risk you still be rewarded with huge profit, other than that crypto is also a product innovation, who knows where crypto will end up in the future.However, if you feel worried, you should be patient for some time because COVID-19 is affecting this market a lot.