He won't (usually XD) dismiss things just because he doesn't like the sound of them.  He also hasn't fully internalised (or internalised at all) that he could make comparatively minute investments in crypto to mitigate potential risks (he's used to dealing with much larger amounts of money moving around as he's done stocks).

He's also gotten a ridiculous level of conservative since we spawned children that got bigger and like doing stuff that costs money and bought a house and other such adulty things.