The outcome of taking no risk is certain. The money you earn today will buy less tommorow. The 0.01% interest on your savings account will not fix this. When I tell people about bitcoin, they have so many questions. What is cryptography? How do you pay for stuff? What about taxes? What if the government turns off the bitcoin computer? I am an expert in quantum computing because I read an article. Who will save the oceans? How much do you have? The first question they should ask is, why do I work so hard for money that makes me less wealthy over time?