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At different times, when the economic situation changes, the most profitable way to hold assets also changes.
For example, in the worst times, people buy gold - the so-called Safe Haven Currency, also cash, usually a currency like the US dollar. In good times, you can safely increase the share in your risky assets, such as cryptocurrencies and stablecoins.
Buy Bitcoin to sell it more expensive later, and stable coins so that if the price of cryptocurrency goes down, you can buy cheap bitcoin. To the very least, I buy campaign shares, because they are affected by force majeure, the environmental situation, and the like. Unlike them, I am sure that bitcoin will always rise in price.
You are absolutely right ! The only nuance - the author of the topic has a specific question, with a specific choice, and it seems for today's situation

That's why, I negatively evaluated both options, based on the current real situation on the market today. Well and plus your concept is aimed at EARNING and capital increase, and not reduced to an attempt to decide how best to store funds in one of the two not the best options

Profit to you !
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I understand, and of course I have a specific answer to this question: the algorithm is as follows: you need to look at the bitcoin chart, if the price is high now, then you need to fix the profit and wait for a correction or a price drop. So you need to transfer some of the bitcoins to stablecoins. Not cash or bank dollars. If the price of bitcoin is low, but you need to buy it, and in no case store your savings in stablecoins. Right now, in my opinion, the price of bitcoin is neither low nor high. The situation is not certain, which means it is possible to partially purchase stablecoins (for example, USDT), and partially dollars. Any - in cash or on an electronic account.
And as you probably understood - I do not approve of "storing and saving" money. I believe that they should "work" in any situation.