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> ...Unless people bought in the relatively short peaks...

That's a bit minimalistic, no? The "short peak" of $50-60k (around 50-100% more than the current value) lasted something like 6 months AFAIK? To be a store of value, you would hope those fluctuations would be nonexistant.

Store of value should be for everyone, not just the unlucky ones...

It's not difficult at all. This is 2023, we have spreadsheets, lol. You just generate a list of all transactions and losses/gains. Active traders have been doing this one way or another for a century now with stocks and derivatives.

If cryptocurrency was actually used for purchasing goods/services it would be more tricky.