You should revise your perception about cryptocurrencies. Not all cryptocurrencies are scams except Bitcoin. You can research the top cryptos. Bitcoin is the best of the best, with its vastness compared to other currencies. You are a new member and you need to learn more about Bitcoin so try it regularly. Known as a store of value, Bitcoin offers higher profit potential through long-term investment compared to investments in globally recognized real assets. Saving money in a bank or insurance company means you have entrusted your assets to a third party thats centralized control. Holding Bitcoin means you are the sole controller of your assets, without any third-party control and in a decentralized system.
I understood your points, I see the op is only making a general point of view on cryptocurrency at large when it comes to risk involvement forgetting that Bitcoin stand out of on it's own and shouldn't be pegged with such level of risks as when compared with other coins in the market, anyone treating Bitcoin the same way as other coins will only end up regretting, because it will keep surprising them over time with a value increase and wider spread adoption. What we are seeing now is just the beginning Bitcoin has more way to go. Anyone can be skeptical for all I don't care provided we are investing from our discretionary income.