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.

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.

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.

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.