The most rational approach in my opinion is, invest only the amount you can afford to lose. That's pretty wise for any investment asset. They may be worried about the future, but bitcoin has a good future based on the foundation it has built among its community so far.
That's where the key is and the level of rationality is not at the level of the ability of the source of the investment but rather how someone can be responsible for the selection method taken. Bitcoin will not be useful for individuals if they are not involved in it, therefore I mention that the level of rationality is very dependent on those who are able to take a chance on bitcoin.
I'm not forbidding anyone from worrying about the future, but I personally wouldn't worry too much considering what bitcoin has achieved so far. Bitcoin has become known globally even though not everyone invests in it, but it is a strong foundation for bitcoin and its future despite the price volatility of each cycle.
Risk always exists for any investment asset, but risk tolerance still needs to be considered wisely. Don't invest all your budget in bitcoin, I mean you still need to have a reserve budget for other important things. Bitcoin does not guarantee the future, but it has a good future because we will probably find that millions of people have lost faith in the centralized financial system.
No one can predict the future with certainty, but if we look at the potential in bitcoin, at least we have confidence that bitcoin will become an investment method that has influence and is able to maintain its existence. Based on what we see and with the evidence that Bitcoin has currently provided, talking about risks anywhere cannot be separated from it, but if someone understands how it works then these risks can be minimized.
Create an investment percentage with an amount that can be adjusted for other needs, for example having the same criteria or a different budget set. So life doesn't just always talk about investment, but there are other things that we need to prepare especially if we already have a family there will be many other responsibilities that need to be taken care of.