you are right on point, crypto currency is the future and the more hodl of good coins the more value crypto marketcap will be. i dont save money in the bank anymore. like you rightly said i just convert from any crypto profit i have made a bit to fiat for the purpose i need when i need. its common sense. the most a bank will give you for holding fiat is 3-5 percent for a whole year, use that same money to buy a good coin and you can imagine what will become of it in a year