Jazmin, thanks for your effort on writing such great post.
To be precise, I'm gonna write my opinion on the question: "What do you think is smarter to hold Crypto, gold or Fiat?"
These are three different thing from now, till a time crypto changes in its essence.
Fiat money is money
gold is commodity
Crypto is investment option
there was a time, gold was agreed money. If you were talking about paper money issued by a central authority to worth anything, 5000 years ago, people would look at you as wierd as some look now when we talk of cryto!
So it's a matter of time.