Who is 'bitcoin' in this question?

What makes you think that? The many warnings maybe?

'Decentralized' is just a buzz word to advertise with. Steem is not decentralized, Waves is not decentralized, Ethereum is not decentralized.
If someone unplugs the right server it does no longer work or goes down in value a lot.

This proves nothing. Anybody can make any claim, the dollars in your wallet can be stolen by someone too.
It is better if you do not sent your Ether to a scammer. Prevention is better than cure.

Your sample is very easy. If I want such a sheet, it is faster to make it by myself than explain to you what I want.
You are going to regret your fixed price if I want a complicated sheet, I have made spreadsheets that took days to create.

The only safe storage is '10 and more wallets', store one wallet for each coin.
Be careful not to install a wallet with a virus, if you do that none of your wallets are safe.

Do you remember when faucets sent 6000 Satoshi minimum? In a few clicks in a few hours you reached a payout. With high fees anything less than 100000 Satoshi is not worth anything, and with high bitcoin price faucets pay a few Satoshi per click. Now you need a month to get your first payout.

'Over the years' you made 0.1 btc when it was worth about $40? Instead, you could have bought 0.1 btc for $40 and used the time to do real work.

Most of the bitcoin holders hold, the traders sell for a quick profit.

The problem I have with this: every small project is suddenly valued at a billion dollar when it releases a token.
A starting company needs money. Maybe 100k. Maybe a million for a very big plan. Ten million can pay 100 employees for a year. One hundred million can create many products.
A startup with 2 people is not worth a billion. End of story.

If this is how it works, what are we waiting for?

If small transactions can be made off chain, blockchain has space left for large transactions. I do not need my morning coffee to be recorded forever. My store of value on the other hand has to be on blockchain.

From a Bitcoin point of view, those transactions are not trustless.

Back to the problem of trust. Can we have trustless sidechains?

All in…..on red! Or black! No wait…..

Withdraw, sell, pay your taxes, buy a house. Having a debt is a problem. You have a First World problem that is not a problem at all. You are rich.

Quit? I want to join the altcoin world.

Read https://bitcointalk.org/index.php?topic=2133149 and tell me which altcoin to buy and keep for a long time.

Why 40 dollar? A good job earns that in 5 minutes, a bad job in a month.
40 dollar per day gets to 1200 dollar per month. You need some skill for that.

Have you sent it to your account or to a random account at Poloniex?
If it is your own account, check your account. If it is a random account, you sent your 0.95500000 to somebody else.

https://live.blockcypher.com/btc/tx/50d44110378a552b172f2443dc92d00cfe1fd5e52f36a0d6ae2832b69757714b/
Your transaction was 3 months ago, when did you first take action?

Copying and pasting an address without checking it is a risk. Computer viruses can change the address you paste, or you can accidentally copy the wrong address.

Maybe in 20 years new Bitcoin users say it was a mistake they did not take chance to buy Bitcoin at $100000.

14. Cloud mining
15. Ponzi schemes

Try to learn from the mistakes made by other people. Read about it.
I have not lost a large amount to hacks (knock on wood). In the past I was lucky, now my security is improved to make it less likely.

Suppose for a moment that 3 billion people make 1 transaction, and suppose the average transaction is 300 bytes small.
The result is that blockchain grows 900GB, 6 times bigger than it is now.
At 1MB blocks this takes 18 years.

Before you think many people can use Bitcoin in 2020, calculate how few transactions blockchain can store.

Two years ago, who expected bitcoin to reach $4500? Optimistic expectations push the price upwards, and keep doing so.
Bitcoin has doubled every couple of months. Another 10x or 100x is possible, given enough time.

6. Waste time on faucets (we all did)
7. Collect dust and pay high fees on it
8. Leave coins in an exchange
9. Trust the wrong people and get scammed
10. Panic at a price correction

If you have skills to make a gambling site, $300 can get you a domain and server.
The bankroll is something you can get investors for after they are impressed with your work. To do this by yourself can take many months of hard work. Or, you can get paid by the hour working as a developer and build a gambling site for someone with bigger funds.

That is of course if you have the skills to start a gambling site.
But, there is a saying you cannot do it if you have to ask.