You are laying emphasis where you shouldn't, whether you are rich with fiat or crypto, being rich is being rich, they are the same. Just like someone that has gold and other precious metals in their possession, they are rich if they are many, it doesn't necessarily mean that they have the fiat money. So long as the crypto could at anytime easily be converted for its value, then it will always represent well.

However, money is volatile, no one should depend on one investment because we don't know the future. I advise that whether you are having lots of fiats or crypto, try to invest them more in other things to spread the risk.

"Don't put your eggs in one basket."