Buying crypto is not 'investing in technology'. Also, a currency with massive deflation is not usable. You can't go to the moon forever AND have a usable currency. So even if one bets on adoption of crypto and is risk averse (e.g., to not endanger one's family), the best is to not buy crypto. By now, there are most likely already plenty of families falling apart because plenty of guys (many of whom live under problematic socio-economic conditions/are poorly educated/adopted a responsible lifestyle too late in their lives) followed exactly your line of argumentation. Is there really any doubt that this is happening?