To rigorously apply your analogy - HIV is a fiat disease. There are no symptoms and a correlation was conjured to scare a lot of people into experimental medicine.
I would choose HIV and take my chances that my own fitness keeps me healthy.
Discussion
Agree, option one is the most logical apart from buying Bitcoin.
Yes - but we shouldn’t be so easily convinced of these choices or of the finiteness of outcomes.
Holding bitcoin is the most complete coverage for a large variety of outcomes but then there are other assets like health, skill, strength, etc that one can focus on if they aren’t chasing monetary ghosts.