And your point?

Do you price your savings based on 12hours of market volatility, or do you look at it cumulatively over a duration?

I certainly don’t look at my savings gaining or losing 30% to 50% of its value every year. In fact, it’s actually more than that, as bitcoin has traded sideways compared to USD, which has lost 30% of its value in the past year. Catastrophic use of spare funds compared to the S&P 500

Been told this every bear market since 2017. Who said I dont have own the S&P?