It depends on what YOU believe in. Projecting your believe system based on what you've written, I would keep money where it is due to penalization. If there is no penalization, I would put a part you are ready to loose into crypto. If your believe goes up one day you can invest your money even much better. But for such an investment, the faith in God or at least an altruistic mind is needed.
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Great way to see things. God already open my eyes. Thanks for the advice.