It's really funny that someone is still thinking this way in 2025. This is the same thinking that made most of us miss out on bitcoin at it's earliest stage when we first had the opportunity to invest in it. But doubts and uncertainty clouded our minds and we lost out when bitcoin was still cheap. Many people had believed at that time that bitcoin won't survive up to a year that it will fade and people will lose interest in it. But here we are 15 years later and bitcoin is still moving forward and the value still increasing. Dude bitcoin is here to stay and it will remain as far as the internet still exists. Can you imagine a world without the internet ever again? Your answer is as good as mine. Will there ever be a world where money is no longer valuable? You saying that there is no guarantee that bitcoin will be here in the next 20 to 30 years is equivalent to saying that money will stop being in existence in the next 20 to 30 years. What do you think is bitcoin? Bitcoin is money in digital form!! Bitcoin will only go away when internet and money are no longer needed by humans. And I can't imagine that world being possible.
If we are talking about investment plans to get rich and we are using money we can afford to lose, I agree with what you say. But the topic we're discussing is retirement planning and that's money we can't afford to lose. If something unexpected happens, our retirement plans will be ruined, we will not have a chance to start over and will live the rest of our years in poverty. Have you thought about that?
Furthermore, I am not against adding bitcoin to retirement assets, I mean we should not put all our retirement money into bitcoin. A volatile and risky asset, instead diversify with stable assets like gold...to secure our retirement plans. Is diversity wrong?