Ya exactly ~ with cryptocurrency's like Steem, BTC, LTC if you hold your private keys in my opinion way better then Gold/Silver/ and Stocks which are very hard to liquidate or spend more of a (hard asset store of value)...

I have avoid (ico's and altcoins) these are more like funding businesses without any proof of concept- reminds me of the 90's with the Dotcom frenzy when any idea was an IPO... lol