u need 3 btc as a bare minimum. 1 to sell at 400k USD. (enough to buy a cheap house and invest a small ammount) 1 to hold forever and use as leverage for other finance and 1 to sell at 1 million if it ever gets there or give to your children. Right now that is 36,000 AUD ... its not much for a person to spend and be set for life.
BTC is indeed a store of value and should be accumulated and hodled, with respect to the necessary crypto adaptation there are many other more suited coins to pay your coffee with..
All you have to do is buy, accumulate, and buy other currencies This is my strategy
What if the banks do a fractional reserve of Bitcoin?
Everyone should only buy a genuine Bitcoin in their own possession, holding their own private keys!
Be sure to observe every January 3rd, Proof of Keys day.