hard to say, there is a lot of actual usability of the crypto, for example - if you want to exchange or pay money to someone from far abroad, it is much easier, and faster to just send with crypto, you get their wallet address and boom.
on top of that, if you hold crypto on your private ledger - then you can sort of be sure it will always be yours :D banks can fall

but agree, it is a bit of a gamble buying now, you never know exactly when it will go down ( now it is possible it will go down another 20-30%) on the other hand you have options to earn massive amount of money, especially if you gamble with shitcoins, these sometimes go up even 10,000 or more ;D but loads of scammers there too