@Ray Reed Two sides to this coin, legal aspects of business and being a decent human being and not earning the karma of getting bum-cancer or something. 

I’m sure some people were bragging how smart they were keeping their reserves crypto. 

That's the coin-flip question we are stuck on. 

If you're just looking to add some exposure to precious metals as part of you 401K you should be able to find an ETF that serves that purpose, or slowly add coins purchased from a place like JM Bullion.

I took some risks in stocks and crypto. 

I think what's freaking me out the most is all the doomsday talk about a crash (which I've read so much on both sides of the coin).  

It also is a flip of the coin with which appraiser you get.

Just like none of the lenders will count any of my crypto currency as an asset because the price is too uncertain...Which I am perfectly fine with.

My hobbies are reading and collecting coins and antiques. 

I’m not interested in the residual type income like collecting app fees, or putting in a coin operated laundry.