I think FIAT has one thing that bitcoin doesn't have - stability. Bitcoin has low stability so I think hoarding it to trade may be a bad idea. You want to keep your funds stored in a low volatility fund, that's why people usually store in gold or even real estate.
Storing funds in a mean with high volatility means that if you need liquidity in a time when the asset (bitcoin) is low, you'll have a bad time.
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