[galaxyLogic]

I agree. I think it's worth pointing out that investing in crypto-currencies is really no different from investing in any currency say Euro. And when you have money in a US bank-account you are (typically) "invested" in US Dollars. But see below, that really is not investment, but speculation.

Investing in a currency/cash is speculation in the sense that currency itself does not produce anything but its value can go up and down. Investing in a currency is like investing in roulette in casino, you may win and you may lose.

So, keeping your money in bank for ~0% interest really is gambling/speculation too.

But, from the point of view of the individual investor it does not matter if you are "investing" or "speculating". In both cases you may win and you may lose.