Holding is only for those you can afford to take risks for the rainy day and as long as the earth remains challanges are part of human experience and as such so much would tempt one sell some coin. But there is always a short break for every human figure represented on earth where you have little or no need for money but it keeps coming in and that's the best time to invest other than save.
Saving has been the traditional way of planning for the future where people bank their funds in commercial banking sector waiting for when the need to take back from the bank arises even when we had centralized stocks where people could invest in many still thought it was wiser to deal directly with banks other than investing.
Currently the ecosystem has changed and the pandemic outbreak launched in a new era where people's need became even more insatiable and spiked the cost of livelihood. To tackle the present state of economic challenge investing is more.preferred to saving even though it's more risky but a diversied portfolio is more secured than mere saving
To an extent, saving is good for the low minded and for those who are not ready to take risk for better change and freedom from financial trouble. Most people settle with the direct relationship with the banks because the banks in one way of the other, adds some fractions to what the have placed in the bank, and yet make more profits with the use of the same money placed there. Most people, don't even want to hear about banks because they have nothing too good (when you gain nothing from) to offer.
Investment is risk, giving a total change in one's financial life and struggle comes through taking risks and without risk taking, we remain in the same stagnant position doing nothing, scared of lossing and yet gaining nothing.