I agree with your wife on the debt aspect. I have no debt, and my life is better now than back when I owed hundreds of thousands for mortgages, cars and credit cards. I feel safer too. Perhaps the next time there's a high, you might consider liquidating some to reduce your debt. 

I've "lost" quite a bit in bitcoin since June, when I first started buying in earnest. But I know that, in time, I will be very glad I did it. And I am prepared to buy even more if the lows that are being predicted come to pass. So, I'm in a great position - whichever way it goes, I'll be happy. 

Except for two young men (both ex-boyfriends of my daughter's who made fortunes in bitcoin), I am the only person I know in the flesh who has crypto of any kind. My friends think I'm insane. I tell them I see it as diversifying. They say "but what can you do with it?" and I bring up a list of the businesses nearby that take it as payment. They say "but how can I live without a credit card", and I show them that there are crypto credit cards. It's astonishing how little people know about crypto compared to me, and I know hardly anything.