That definitely sounds like a Fuck of a situation as you put it, but you sound like you guys have come up with a good long term plan rather than sticking your heads in the sand and hoping for the best.
It's hard to know where Crypto will be in ten years time. Only time will tell I guess. I'm hoping that by picking the right projects we can ride a wave of wealth generation, but I also plan for the doomsday scenario that it all crashes to zero. The truth is nobody knows what will happen. It's been a fun ride so far though, although 0.27 Hive is a bit concerning in the short term.
RE: Looking at the bigger picture in life.