There is no law that says you have to have all of your money in metals.
OR all of your money in crypto-currencies.
In the real world people that own some of one often own some of the other.
I had all of the arguments you are making about crypto-currencies. I even posted about them here, just as you are, making the same arguments almost word for word.
I looked into it further - and once I learned more - I changed my mind. As soon as I did bought in a few months ago and have not regretted it:
I've already made my entire investment back and have plenty of profit left over.
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