back in the day , I tend to believe that Investing in crypo is like gambling but not when i started to understand like how you explained here .
that this is like fruit bearing trees vs Luck .
I will suggest you be specific with the terms so you don't confuse Bitcoin for shitcoins as many people tend to generalize all under the word "cryptocurrency".
While it is easy to loose money in shitcoins, the chances of loosing money in Bitcoin is very slim especially when you have long term plans. So, it is totally not perfect lumping every digital assets under crypto for the sake of clarity even such as I have explained.
Certainly, it would be unwise decision, as suggested by @Jay to invest money in Bitcoin (highly volatile and risky asset) that is meant for essential expenses. It can indeed lead to financial trouble. Therefore, the key takeaway is to prioritize financial stability and have well thought out investment plan that doesn't jeopardize immediate needs.
Two things is involved for investment, either you lose or you gain, losing is totally the one you are emphasising that will put you into trouble why gaining will make you to think investment is all about luck and it's based on priority, I don't have much to say in investment of cryptocurrencies and for it's bitcoin because investment in bitcoin is like someone who is in five story building upstairs trying it's luck of jumping out from upstairs of five story building to pick so billion dollars, so making such decisions of jumping from high magnitude,
The reality is that you only loose in Bitcoin when you sell. So, we can say that Bitcoin presents an exception to this rule of investment. Check price history of Bitcoin to see that it has maintain good gains over a period of some years. Conventional long term investments require at least five years to break even and evaluate for profits. Giving Bitcoin this five years interval, Bitcoin have maintained upward trajectory meaning anyone that would have invested in Bitcoin for the past five years would have been in substantial profit.
If Bitcoin follows the market cycle and halving events, we might see a price shift to new highs and this will further demonstrate the superiority of Bitcoin over other investment portfolios. Even though no one can predict the future, there is a possibility we might see price of Bitcoin respect the market cycle.