My answer is no. To this day, holding bitcoin is very risky against the risk of hacker attack, has not been recognized as a currency or legal property, and can be banned at any time...There is too much risk in holding bitcoin. So if it's just for the sake of decentralization as well as cross-border money transfers, it's not worth taking such a big risk. I believe, if bitcoin were not volatile and not profitable, very few people would use it.
Banking information gets hacked all the time, too. There is no absolute security. If you take even the most basic precaution, you can protect your Bitcoin from nearly any attacks. Keep an offline wallet and it's impossible to hack without physical access.
I wouldn't call holding Bitcoin a risk. I'm not suggesting you invest all of your funds into crypto, but surely if the alternative is fiat currency with built in inflation at minimum 2% yearly, you'd consider investing into another asset that doesn't systematically reduce your purchasing power as a feature.
We are talking assuming bitcoin is a payment method, not an investment, so what is the purpose of keeping bitcoins offline? How will you use it for payment?
In that case, bitcoin is a payment method, but it's not legal, so I don't want to risk just using those features of bitcoin. I can only take a risk if it is profitable for me, and I believe that everyone like me, no one take a risk without wanting to reap the benefits. People only do what benefits themselves, no one is so good that no benefit is needed.