We reduce the cost of tokens when they enter the exchange, because we are paid a salary in tokens. If the salary were paid in a crypto currency, this would not happen.
I think soon there will be again a good time for investing in bitcoin. Institutional investors are already at a low start and are preparing for an infusion of money.
Now I would advise investing in the IСO-project - https://soar.earth/ I think this is an excellent investment and the rate of the token after entering the exchange will grow well.
Of course, it's more reliable to keep money in a bank than in a cryptocurrency. This is due to the high reliability of bank accounts and the high volatility of the cryptocurrency.