I need that bit of fiat I hold

Me too. No way would I risk my mortgage repayment in crypto even if the fiat returns are non existent. I don't have enough working years left to make it back. 

I don't mind being a

bit of a stick-in-the-mud

if it gives me peace of mind. In the wider scheme of things we're still cutting edge anyway. If I had a penny for every time someone responded to my answers to their questions with "I don't understand but . . ." I'd be very rich indeed.

!ENGAGE 30

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