If you are speculating bad 2021 for market, are you indirectly saying that bitcoin is going to crash like the 2017/2018 experience? Because that is the only area that I'm trying to analyse your post or in what other form will the bad come?
Best Thing to Do is to buy usd.
I will prefer to take the risk of crypto investment than buying a fiat. The risk appetite to crypto is high and profit too because the volatility is different.