I know alot of things are happening in the crypto space which made lots of people to ask same questions you asked 4years ago, same question still keep on repeating it's self because of the things which are happening. The Luna crash as one of the major problem why most people are Lossing interest and trust from crypto. To me I still believe on crypto currency rather than my local currency Naira, lost of my funds are saved across crypto wallets BUSD, Matic and Eth, I truth them (crypto currency) more than I trust my local currency # (Naira) because lots of this coins are backed up with reserved and have limited supply which when the demand increases the price pump up, when it comes to the BUSD which is equal to the united state dollars, I like holding it because the demand of it in my country is increasing and as such I made gain every day. Do you know the funniest part instead of the country to look for a way to increase the value of the currency, they keep on printing more Naira note to enable them meet up their budget which are never meet, no effected monitory policy to control the way money are being printed.
But the crypto like btc which have limited supply of 21,000 and can not increase more than that, matic 10 billion, and busd 17.98 Billion.
And so far my policy of holding my crypto currency have helped me alot more than puting my trust somewhere else.