You tacitly disregarded the points that don&#x27;t suit your narrative.<p>1st. It&#x27;s not the average volatility that matters it&#x27;s the maximum volatility that you can normally have. This year it only happen once to have 20% it&#x27;s true. But you have plenty of days where it oscillates more than 5%.<p>2nd. Bitcoin is much easier to steal than conventional payment systems like reality tells us, not only because of it&#x27;s lack of security but also because of accountability. It&#x27;s hacker free reign, you just steal bitcoin and send it anywhere you want and you have no more trouble. In traditional payment systems this doesn&#x27;t happen like you try to imply, not because it&#x27;s insured but because we are talking about real money and that money is connected to a name and an address and sooner or later the police will knock on your door or the door of the person that received the goods purchased with the stolen money or card.<p>3rd. <i>&quot;Firstly, using a hardware wallet (with offline backup) will make your Bitcoin almost invulnerable to &#x27;hackers&#x27;&quot;</i>: In a site like this dedicated to people that actually understand a bit about computer security. this sentence is just funny.