This is the longest bear market I've ever witnessed, and I've been in the crypto space for about 4 years now.
You are in your first bearish phase, so it's normal to feel this way. This will be a very valuable experience later because no matter what, the bearish market will happen again, it will happen again, because this is a cycle that always goes through. Whether it's 4 or 5 years, wait until it happens again. And that's why everyone definitely has some backup plans that must be carried out during the bearish phase. There are those who focus on accumulating certain coins with DCA, and there are also those who do short term or day trades to get daily profits. Of course, each has its own risks. Nothing is zero risk.
..I'm more conservative with finances, so I would appreciate any suggestions on a passive income offer or product with low risk. Preferably, my capital would be protected, and the potential for growth would work well for me.
At least this is the right step, namely by considering financial conditions so that it requires good and wise financial management. Indeed, when we are not ready for high risks, it would be better to avoid them, even though it might result in a high turn. If you want to get profits at least for the daily or short term, it seems that saving or staking is also not worth it. Passive income in crypto for short terms. It's a little hard to find.. Most often, it's just short term trading for coins too, open hype coins that are booming, so the risk isn't too big either. Because if you hype a coin, it's the same as taking a high risk.