When things are unstable you diversify. Most currency is pegged to the US dollar’s value and, as we’ve seen with recent US recessions, its value impacts the value of state currencies worldwide.

single governments collapse all the time, and even ones that don’t occasionally invalidate their currency for other reasons. My particular government does not seem the most stable right now.

Monero is the only crypto that may actually provide the most barebones version of what Bitcoin was originally supposed to be, but it still has the problem of being massively slow inefficient and unscalable, compared to existing fiat currency electronic banking systems.

Crypto is never going to be widely adopted at PoS, by retailers, basically every attempt at doing that has failed, and I remember when that was the main sales pitch for Bitcoin.

Monero might work for hiding some money, illicit transactions, or doing cross border remittances without massive fees… but in general, crypto is 99% completely baseless speculation and scam grifts.