Bitcoin is only now recovering to the prices it was a few years ago. In that same time, my investment account is up 15%. I would still be in the red if I didn’t

Bitcoin is only now recovering to the prices it was a few years ago. In that same time, my investment account is up 15%. I would still be in the red if I didn’t go the boring route. So personally investing in Bitcoin would have lost me money. So I do not think you can blanket say doing one over the other is a clear choice. The day to day volatility of crypto is absolutely a concern for making any kind of financial planning.