I would respond to the last part of your write-up. Believe me when I say that you would have no regrets whatsoever holding bitcoins. The next halving is happening next year so if you hold Bitcoin and add more bitcoins to your wallet the price would increase after the Bitcoin halving. So imagine having $100 worth of Bitcoin right now and after they having you have 150 or $200 worth of Bitcoin. I support you wouldn't bitcoin but please hold it in a decentralized exchange.