no value will be added except the little interest that the banks will credit the owner which is not even enough to cover the cost of the inflation. I think if you're a family man, you'll understand why others are having it balanced but there is also nothing wrong for both, someone who's going to put it mostly in crypto, half or even 3/4 as you have said and someone who's balancing things and as well as those that chose to keep in cash. Those who have most it in cash understands what they do because they don't want to take further risk.
Doesn't matter if you are a family man or not, it's obvious that we know crypto is better at investment. SO if you do a good job then you should be able to actually make a good return. It is not an easy thing to achieve, but it is also not impossible neither. We are going to end up with better results. It's obviously a tough situation to be in, but it's something that we can handle all the while better.
What we are seeing today however, is people worrying about the volatility, and scared that if they need the money when it's in the bear market. This is why always invest with money that you can forget, that way, you will act as if it doesn't exist when the times are tough, and you do not look at that for a solution.