For anybody that has been investing in Cryptocurrencies for some time now would understand that this is the natural circle the market goes through every once in a while and if you truly understands the market, you would know that there are people also making money through this bear market because we don't only have the spot traders in the system but the futures traders too. So, the effect of a bear market is subjective even though we know the general price goes down but many sees it as an accumulation stage while others sees it as another opotunity to make other profits too trading the market downwards. So it might not be an "officially worst year for investors" as you think.