Tell your wife never ever try to take serious words from banks because there are in chase to bring cryptocurrency down and in their desperation nothing that will comes from their mouth but to put down the cryptos.
Much as I don't think highly of banking and bankers, or anyone in that line of work in general, I'm not sure I'd be telling people to chuck their advice away in favour of 99% of crypto experts, influencers, all due to respect to you guys here of course. I think the forum's got good heads, more than anywhere I've been... but even together they're a painfully tiny minority who won't be seen or heard in the ocean of shockingly misinformed loudies everywhere else online.