Things are not even in wisdom, but in discipline and understanding of how to apply your knowledge. Just do not need to complicate for yourself, what can be done simply.
I acknowledge your idea but discipline and understanding falls into wisdom which is also gained through experience. That's why people often say "wisdom comes with age."
we see that in the long term, bitcoin and gold are constantly growing in price and it is not difficult to guess that this is due to the constant increase in the money supply and rising inflation. Therefore, there is no problem just buying bitcoin and gold and waiting for them to grow in price.
Yes that truly is the case, but you also have to consider that not all people have good enough financial capabilities. Which is why knowledge and wisdom is needed for people less capable so they can manage their finances and have better investment plans. All throughout the years we have seen dozens of stories from a wide variety of people investing blindly; putting all eggs in one basket or even investing money that they cannot afford to lose and end up getting rekt. I hope you get my point.