I only consider the risk of policy and law are the real risks of using bitcoin for a common people like us! The other risks are not really risks per say. It's just that the crypto ecosystem is still at a nascent stage. So we probably will see more robust framework to encounter such risks and eventually mitigate them.

But the government policy or law is the real challenge where we don't have any real control. We are simply at a mercy of the politicians and beaurocrats. Other risks are manageable while the first two are not!