Both are speculating. Both are taking on risk whether they understand it or not. I would argue that the risk of bitcoin being a lower value in ten years is tin

Both are speculating. Both are taking on risk whether they understand it or not. I would argue that the risk of bitcoin being a lower value in ten years is tiny, and also that chance of the dollar's value halving or worse over the same period, is almost certain. You might speculate the opposite.