Many times, people can only make the right choice when they are extremely sad. I have a friend who was in great pain after his loan was liquidated, so he liquidated all the currencies and exchanged them for BTC, ETH and BNB. BTC and ETH were directly stored in cold wallets, and BNB was stored in exchanges. Looking back now, I was not sad enough at the time. If I was sad enough to only exchange it for BTC and store it in a cold wallet, I would sleep better and earn more. ​​​