agreed. someone in a country with high inflation or a corrupt/insane dictator will allocate to those categories differently than someone in a more or less stable country. or some place prone to natural disasters that could wipe out vast parts of the land or infrastructure. each one must assign a risk factor and try to allocate/adjust funds accordingly.
now, if i were single, i would have much more of my net worth in btc. but im married now and much more risk averse. single, i did take much higher risks as they only affected me, no problem.. im an idiot, know it, and paid the stupid tax when needed. married, i wont risk our comfortable retirement simply for more possible profit. thats not to say i wont take risks for more profit at all, but much smaller ones than previously. securing our future is the priority. and to me that means more diversification. and i dont mean alts (junk), i mean non crypto. even though that has far less potential dividends, plus has its share of downsides too.
Nothing wrong with cashing out on the way up and securing your future. I don't think you need to be old or married to study that playbook either. While I think we're still heading to six-figures, the future isn't set in stone, and, after such fabulous percentage gains, diversifying into more traditional, lower-yielding assets is prudent imho.