I don't see the appeal over trying to get 8.6% return in an index fund. The index fund can crash for up to 5 years but will almost certainly bounce back within

I don't see the appeal over trying to get 8.6% return in an index fund. The index fund can crash for up to 5 years but will almost certainly bounce back within 5 years time. The Blockfi thing can lose your money and never bounce back.