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.
That is the truth, isn't it? I mean we are all in crypto but the reality is that we are seeing how crypto could become something that is only an alternative to what we have and not the main thing. If anyone tells you to do that, then ask them how they are paying everything with crypto without ever using any fiat.
Majority of the world do not have that option which means that we can't really live like that at all. I personally believe that we should be in crypto as much as possible, but that "as much as possible" is not a lot right now, it is quite low number. Which is why I believe that we will probably just use it for investment, that is how people have approached so far and that will continue for a long time.