You pretty much summed it all up in the very first sentence... You don't understand it therefore you don't trust it.
Here is a parallel...
I don't understand how people manage to raise, break, train and ride horses. Not kidding. Thousands of pounds of muscle and bone with its own ideas and you will commit your life to jumping on its back when, at a moment, it could literally do anything it wants to and there is absolutely nothing at all you could do about it? No thanks. I'll fucking walk before I start riding horses around. Absolute madness. You see my point here? If I took the time to learn about horses and practice training them with an experienced person then I would realize that they are really quite predictable and controllable. The only people who regularly get hurt by them are dopes who jump on their backs with no idea how to do it and without the right equipment.
Consider learning about it? It is surprisingly cheap to do so! Get a free wallet, there are dozens out there, ask around and you will quickly find someone who will send you some DOGE or whatever so that you can trade it with family and friends and learn how the systems work. It pretty much could cost you nothing at all to go from 0 to moderate experience. Once you do some of that then you will see that you can do stuff like... Secure your keys by hammering them onto a piece of metal somewhere and hide it. Light your computer on fire and dump the ashes in the Marianas trench, cross 10 national borders over a period of 10 years, recover your keys (or memorize them) and then load them into a new device... and BOOOM... Your assets are still there. You can even fucking die and transfer them to your kids this way. Simply drop them in a wallet, secure the keys and leave them a treasure map for how to determine what they keys are! They can then recover them at their leisure long after you are dead. Do that with dollars.
And as for price volatility being predictable almost to the day... https://www.lookintobitcoin.com/charts/bitcoin-investor-tool/ Ponder this chart...
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