Let me plunge directly into your question while leaving out your bias in the first paragraph (of course, every business is risky). Having said that, I think the technicality of your question still beggars choice. However, relating it with today's world (giving the pandemic) you can easily see that it's a better choice to hold one's money in Bitcoin than in fiat. Amidst this pandemic a lot of countries have suffered loss to the strength of their currencies and financial records, yet Bitcoin keeps soaring in price and value. This, as it stands now, is a simple testament that Bitcoin is the choice to make.