You just assume people want low risk low reward. But you are wrong. Id rather put 10% of my saving into high risk and high reward and keep the rest at low risk

You just assume people want low risk low reward. But you are wrong. Id rather put 10% of my saving into high risk and high reward and keep the rest at low risk basically no reward. The 10% at high risk is either going to zero or its going to be worth as much as the rest. P good dead if you ask me. If you have +1000% on the 10% you doubled your savings. There is no way you could double your savings with index funds or something similar. At lest not in the time span crypto could (around 4 year bull/bear cycles) You can call it gambling if you want but its actually cleverer and the chance of winning isn't like with gambling allays lower than 50% its simply unknown but you can manage it by how much you bet on high risk.