I normally buy with “cash” unless there is a favorable finance offer.

Here is my argument, is it “not recommended or not smart” to buy Apple stock that give me a guarantee 4% every year? And you are suggesting me to buy cryptocurrency because it can do 400% in return?

In theory everyone should buy Crypto instead because it has better return than Apple stock and S&P?

If a stock still gain 4% even S&P tank 10% this year, don’t you want to buy this stock instead? It is all come down to how much you can handle the volatility.