I am a self-made multi-millionaire through a well paying day job (M.D.) and income producing real estate. I own some crypto just for fun, but I'm not sure I see the utility.
USD $ enables me to buy real estate, which produces INCOME. Crypto will never produce cash flow. Therefore, I don't YET see it as an investment. I also cannot buy a plane ticket, car, or condo with Bitcoin, so its not a currency either.
Crypto is about 0.5% of my portfolio, but so far, its been slow at producing any WEALTH. You still have to find someone to give you useable money for Bitcoin, and Coinbase charges $40 for me to pull out $3000 of my OWN Bitcoin.