> its nothing more than a high risk stock
Nothing more? Proof-Of-Work wasn't innovative?
With fiat you have high risk of losing 50% of USD's purchasing value within 2 years, which already happened, and which is not far from being robbed, as have happened to millions of people too.
Sure, but if i have investments they cant be stolen, and if they are im pretty much compensated (given im not straight up giving my account away, hell even then there is usually a 24h window with a limit on withdrawls).
Bottom line is no one takes responsibility in the world of bitcoin.