Great article! I think many of those who disagree with you about the earning vs. investing part are wrong. Here’s why. Many platforms (like BlockFi and Nexo) are now paying out yield rewards, based on APY, to investors that HODL their cryptocurrency in their wallets. It doesn’t get any easier than that to earn money without doing anything accept investing. Of course, the yields are rewarded based on the current value of the cryptocurrency, so when it’s down you get less. And when it’s up, you get more.