My answer to this is that back in the early '10s I massively underestimated how successful it would be as a pyramid scheme that I could get in on early, but that I massively overestimated how useful it would be as a currency, despite having an extremely low estimation of that. So I guess you and I should have had better foresight to see how good it would be for unhinged speculation, but frankly I never really have any regrets about this: I'm fundamentally not a gambler or a speculator. (However I might not like it if my wife were to gain a full understanding of how much wealthier and easier our lives could be right now if that hadn't been the case.)