Those who saved their money in Bitcoin from $1 to $8 and then stopped because they didn't want to be 'overweight in Bitcoin' surely regretted it. The smart ones bought Bitcoin all the way up to $30 and then all the way down to $2, and then back up.
I could own more XMR than I do. But I think that if I own too much, then it is bad for the economy and the culture. Most people don't want to get very wealthy. Most who do want to get very wealthy probably shouldn't. Personally,
I am trying to maximize wealth because I have a purpose for it, which I consider very important, superceding my personal interests. But even for that purpose, there is an optimal proportion of the XMR distribution which I seek to own. If I own more, I prefer to sell. I currently own too much of the current distribution, but not enough of the long-term distribution, so I feel free to accumulate, in a small way, until I own an optimal proportion of the 18mm XMR distributed before maintenance rewards kick in. As the economy grows, that notional optimum will decrease over time: When there are goods and services being transacted in XMR routinely, the velocity of the float needs to be reasonable in order for the economy to grow. If the velocity appears to be a limiting factor, I will definitely distribute, regardless of the price.
Focusing exclusively on maximizing personal wealth is not a good plan, in my opinion. If you are just going to waste it on hedonic excess, I think you will soon find yourself on a meaningless hedonic treadmill. The end thereof is death. Personally, I seek to maximize meaningfulness. That is a diverse, complex and moving target, but philanthropy certainly helps, as do healthy interpersonal relationships, and a project agenda.
In the Talmud it says: If I do not help myself, who will help me. If not now, when? And if only for me, who I am. I think that is the philosophy you have learned here.
