Wjen talking about investment, may it be bitcoin or anything else, as long as you are ralking about investment, there will always be those risks, since you will be using your money for something that you are not sure if you are going to win or not or barely break even. Just always remember that if you are into investments, ONLY INVEST WHAT YOU CAN AFFORD TO LOSE.
Everything is an investment, if you only have local currency then you are invested in your local currency, tell me do you trust your government that much , because I know I do not and that is why Im holding other currencies in my case crypto, but others may choose dollars and euros.