[jrm4]

And a lot would say "good luck with that?"

Putting a lot in a retirement account today is of course less dumb than putting a lot in crypto.

But neither is guaranteed or certain; and quite a few people diversify their portfolios.

Today, I'd say you're an idiot if you do a lot of crypto -- but also, you're not too bright if you don't throw in a little.

As for tomorrow, who knows. The technology of crypto definitely works. The humans might also decide that this is worth something, or they might not.