Bitcoin does not generate nor does it pay dividends and boy do miners pay dividends...

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still not worth it... borrow against. hold the keys... the appreciation will be more than "the dividends"

speculative.

Sure, the gain is, for example 100% on YoY with Bitcoin, but owning good companies that provide services or goods is just simply, good business.

Bitcoin doesn't farm or create chemicals or pesticides. It doesn't extract nickle and copper or rake the oil fields of Canada. If it did, it'd put more weighting into it. Though, I have/hodl both.

Business has many public facing risks too - human risk, capital risk, economic and natural risks. Bitcoin does not.

But then again, where's the fun in that?

Mining is speculative as well.