I agree. But holding (sorry, hodling) a speculative asset that is slow and expensive for payments only for use it as money creates a really great ris because of BTC's high volatility.
Consider also that bitcoin too risks to be not eternal. If network would frozen and transactions would move to Litecoin and other alt, Bitcoin fundamental value (that is the base of every market) should fall near to zero.. And so, great rally will be really really harder to sustain. Expectations will move to other crypto. Yes, at the moment Bitcoin has the brand and the first-mover advantage.. But this isn't an unstoppable advantage.
So in my opinion bitcoin is really an high-risk asset.