I currently hold these coins--BTC, ETH, LTC, XMR, and ZEC.
I tend to agree with what most of you guys are saying. There is a real risk of losing my coins if I lend it out.
Glad you have made up your mind in holding. Just to add, in case the urge of finding ways to earn from your cryptocurrencies comes back (it happens lol) to avoid regrets, loan out the altcoins but NEVER you touch your Bitcoin. Now, to acquire one Bitcoin has proven difficult, hodl onto it. If possible use the little gain your get from loaning your altcoins to purchase more Bitcoin.