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Its a frustrating situation when it happens. I'm not sure if all mempools have this rule. You might lose the transaction but not the coins.
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A currency starts to lose its value; people will become desparate for a new investment. Same in Venezuela, people saw the potential of bitcoin and started investing in it. Thus the record high volume of bitcoin trading.
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Investing in bitcoin might be a ittle riskier than investing in gold. But it can be more profitable. I'm sure a good businessman will be interested in investing in both.
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Security and utility token are very similar in characteristics. Utility token offers future access to the company's service and has less regulations. Security token is a better investment but has more regulations and taxes.
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