Should Bitcoin be in Every Portfolio?

In a speech at Bitcoin 2025, MicroStrategy Co-founder Michael Saylor proposed that the best way for people of every class and age to achieve financial freedom was through Bitcoin accumulation. Saylor added that, soon enough, the digital asset would represent half of the world’s value.

According to experts, this vision can only be realized in an ideal world. Representatives from Fedrok AG, Bitget Wallet, and Brickken explained that for Bitcoin to absorb global wealth, it needs greater scalability, less institutional pushback, and more stability. Only when these factors align can Saylor’s fantasy become reality.

Saylor on Bitcoin’s Path to Ultimate Wealth

Saylor recently took the stage at Bitcoin 2025 in Las Vegas to present his “21 Ways to Wealth” address. The Strategy Executive Chairman and aggressive Bitcoin accumulator presented a comprehensive guide to building financial freedom with the digital asset at its core.

A central pillar of Saylor’s vision was that individuals, regardless of age or socioeconomic status, could invest in a brighter future by adding Bitcoin to their portfolios.

He argued that the digital asset’s decentralized, programmable, and incorruptible nature would make it outpace all other currencies over time, eventually becoming the dominant global monetary standard.

Though not mentioning the term explicitly, Saylor strongly advocated for the underlying philosophy of hyperbitcoinization.

The concept asserts that as trust in traditional financial systems declines, Bitcoin’s inherent advantages will lead to its swift and irreversible emergence as the world’s primary currency.

Is Hyperbitcoinization a Forecast or a Fantasy?

Experts remain divided over the feasibility of Saylor’s speech. Enmanuel Cardozo, a market analyst at Brickken, is optimistic that Bitcoin can eventually outperform its competitors. However, he admits that this vision will not be immediate.

“Bitcoin’s‬‭ fundamentals‬‭ are‬‭ clear:‬‭ its‬‭ scarcity,‬‭ decentralized‬‭ nature,‬‭ and‬‭ growing‬ institutional‬‭ adoption‬‭ make‬‭ it‬‭ a‬‭ great‬‭ hedge‬‭ against‬‭ fiat‬‭ devaluation‬‭ and‬‭ it’s‬‭ the‬‭ reason‬‭ why‬‭ it’s‬ the‬‭ fifth-largest‬‭ asset‬‭ in‬‭ the‬‭ world,‬‭ and‬‭ with‬‭ fiat‬‭ currencies‬‭ trending‬‭ toward‬‭ zero‬‭ against‬‭ BTC‬‭ over time, as I’ve said before, it’s close to becoming a global store of value in a 5 to 10 years,” Cardozo predicted.

Other experts are less hopeful. They argue that hyperbitcoinization represents more of a fantasy than a forecast.

Unlike traditional assets such as businesses, real estate, or commodities, Bitcoin’s lack of productivity, high volatility, and inability to generate income or utility make such a scenario unrealistic.

“Ultimately, Saylor’s vision is rooted more in ideological conviction than pragmatic economics. While Bitcoin may remain a valuable alternative asset class or hedge against inflation, the notion that it will replace or dominate every other asset and currency is implausible,” ‭Fedrok aG CEO Philip Blazdell told BeInCrypto.

Blazdell based his argument on several key factors undermining the plausibility of a Bitcoin reign.

The Power Struggle: Bitcoin vs. Centralized Control

For Bitcoin to become globally dominant, the current banking systems and government players must be willing to relinquish their control. They won’t do so without a fight, and their grip on power remains firm.

“‬The‬‭ biggest‬‭ obstacle‬‭ isn’t‬‭ tech—it’s‬‭ power.‬‭ Governments‬‭ are‬‭ unlikely‬‭ to‬‭ give‬‭ up‬‭ control‬‭ over‬ ‭monetary‬‭ policy.‬‭ Any‬‭ transition‬‭ toward‬‭ Bitcoin-based‬‭ systems‬‭ will‬‭ face‬‭ structural‬‭ resistance‬‭ at‬‭ the highest levels,” Alvin Kan, Bitget’s Chief Operating Officer, emphasized.

Blazdell agreed, arguing that hyperbitcoinization is out of the question without this power monopoly. Aware of this, governments place several hurdles hindering crypto’s widespread adoption.

“The vision of Bitcoin being ‘valued at half of everything’ requires a radical shift in the global financial system—starting with the collapse or abandonment of fiat currencies. For Bitcoin to replace sovereign money, governments would have to relinquish control over monetary policy, taxation, and debt issuance, which is highly unlikely. Historical and current trends show that states fiercely protect their financial authority, evidenced by crypto bans and regulatory crackdowns in major economies,” he explained.

Global dominance in this context requires widespread adoption. Currently, however, Bitcoin is not found in most investor portfolios.

Why Isn’t Bitcoin Adoption Catching Up to Crypto’s Growth?

As of 2024, data from Triple-A shows that about 6.9% of the global population, or over 560 million people, own cryptocurrency. Naturally, Bitcoin ownership is expected to be lower, with various reports putting that figure somewhere between 1 and 3%.

Some of Bitcoin’s inherent qualities, notably its price volatility, deter its path to widespread adoption, especially as a stable medium of exchange.

“Its unpredictable swings make it risky for preserving wealth and impractical for pricing goods or services. Until it achieves greater stability, Bitcoin remains more of a speculative asset than a reliable tool for everyday financial use,” Blazdell told BeInCrypto.

In that sense, stablecoins are the more natural choice for common use cases. At the same time, common misconceptions around Bitcoin ownership tend to drive away adoption from retail investors.

Notably, the fact that one Bitcoin alone is worth over $100,000 causes investors to assume that only wealthy individuals can afford such an asset.

“The‬‭ notion‬‭ that‬‭ Bitcoin‬‭ is‬‭ too‬‭ expensive‬‭ often‬‭ ignores‬‭ that‬‭ it’s‬‭ divisible‬‭ down‬‭ to‬‭ 0.00000001‬ BTC.‬‭ But‬‭ perception‬‭ matters—many‬‭ retail‬‭ users‬‭ still‬‭ equate‬‭ value‬‭ with‬‭ whole‬‭ units.‬‭ Until‬‭ there’s‬‭ better education, this psychological barrier will persist,” Kan explained.

These misunderstandings can lead traders to explore other cryptocurrencies, further driving attention away from Bitcoin.

Why “Affordable” Altcoins Outshine Bitcoin for Some Retailers

Since altcoins and meme coins have a lower price per unit than Bitcoin, retailers often find them more appealing. This is largely due to a misconception and a lack of understanding about how easily Bitcoin can be divided into smaller units or satoshis.

“‬This‬‭ price‬‭ tag‬‭ usually‬‭ scares‬‭ off‬‭ the‬‭ average‬‭ investor,‬‭ especially‬‭ when‬‭ they‬‭ see‬‭ altcoins‬‭ like‬‭ at‬‭ $1‬ or‬‭ $100,‬‭ which‬‭ feel‬‭ more‬‭ ‘affordable’‬‭ even‬‭ if‬‭ they’re‬‭ riskier‬‭ investments.‬‭ This‬‭ perception‬‭ makes‬‭ people‬‭ think‬‭ that‬‭ at‬‭ this‬‭ point‬‭ Bitcoin‬‭ is‬‭ only‬‭ for‬‭ the‬‭ rich‬‭ or‬‭ institutions,‬‭ when‬‭ in‬‭ fact‬‭ regular‬‭ folks‬‭ miss‬‭ out‬‭ on‬‭ its‬‭ long-term‬‭ potential‬‭ because‬‭ of‬‭ the‬‭ lack‬‭ of‬‭ education,‬‭ which‬‭ is‬‭ a‬‭ shame‬‭ because Bitcoin’s fundamentals make it a solid investment against fiat devaluation over time,” Cardozo noted.

‭Regarding education, Bedzell highlighted that it’s about grasping Bitcoin’s value and knowing how to hold it. ‭

“Managing private keys, understanding wallet options, and securing funds safely requires a level of technical literacy that many users do not have. This steep learning curve deters mainstream adoption and makes Bitcoin less accessible to non-experts,” he said.

However, widespread education won’t achieve anything if Bitcoin lacks a reliable infrastructure to manage increased transaction volume.

Concerns Over Scalability and Energy Footprint

Scalability is often cited as crypto’s Achilles’ heel. Most blockchains –Bitcoin included— suffer from slow transaction speeds. If the blockchain can’t handle the demand that comes with global Bitcoin adoption, the entire endeavor becomes futile.

“Bitcoin’s limited scalability is a major technical hurdle. The network processes around seven transactions per second, which is vastly insufficient for global financial systems that require thousands of transactions per second to function efficiently,” Bedzell told BeInCrypto.

Meanwhile, Bitcoin mining requires intense energy consumption. The steep resource demand and the regulatory pushback that comes with it further hinder widespread adoption.

“Bitcoin’s Proof-of-Work consensus mechanism consumes vast amounts of electricity, often compared to the energy usage of small countries. This raises significant environmental concerns and clashes with the growing global emphasis on ESG (Environmental, Social, and Governance) standards. As institutions and governments place increasing importance on sustainability, Bitcoin’s high energy footprint could limit its integration into regulated financial ecosystems,” he added.

When all is said and done, Bitcoin’s remaining hurdles to achieving hyperbitcoinization outweigh its advantages.

Is Saylor’s Vision for Bitcoin an Overnight Reality?

Even with Saylor’s strong belief in Bitcoin’s eventual rise as a superior form of capital, its future dominance will ultimately depend on its ability to overcome the many obstacles it currently faces.

While his strong convictions shouldn’t be ignored, Saylor’s vision for Bitcoin will not happen overnight. Because of this, investors should proceed with caution.

‬“It‬‭ depends‬‭ on‬‭ the‬‭ individual.‬‭ Bitcoin‬‭ can‬‭ play‬‭ a‬‭ role‬‭ in‬‭ a‬‭ diversified‬‭ portfolio,‬‭ but‬‭ it’s‬‭ not‬‭ a‬‭ one-size-fits-all‬‭ asset.‬‭ The‬‭ volatility‬‭ and‬‭ regulatory‬‭ unknowns‬‭ mean‬‭ it’s‬‭ better‬‭ suited‬‭ for‬ those who understand the risk,” Kan concluded.

While Bitcoin certainly has a place in the future of finance, its present limitations suggest it’s more of an optional, high-conviction investment than a standard choice for everyone.