Diversifying BTC for retirement plans is not really my thing because at the end of the day, there would be no reasonable profit for the original investor and the investor would be left with the choice to either hold or sell when old age comes and if they didn't get to introduce their siblings or grandchildren to BTC , the coins would be lost.
Having crypto as your retirement plan is fine, as long as it is well planned and of course as long as you know how to take profit. Seriously, I’m not too focus about my retirement since I’m living my life everyday to the fullest since I can never know if I can stay alive during my retirement although of course I still prepare for it but it’s not for my self anymore, I prepare for the benefits of my family and crypto can also be a good choice for your retirement option.
I'm not pessimistic but I think I have the same outlook on life as you, besides the fact that we don't know how long we can live, plus life is full of difficulties like today. I even have difficulty maintaining my family's daily living needs, so I don't really dare to think about things like retirement or enjoying life. Between retirement and my children's future, I will prioritize planning for their future more than anything. Therefore, I have never and have no intention of planning for retirement.
Even on this forum there are hundreds of threads talking about inflation and people struggling to deal with it. That shows that the majority are still facing many immediate challenges, how do we have time to think about retirement?