>Taking on risk over the last few decades has paid off in spades.
There's two types of risk here: risk that is compensated by higher returns (eg. buying stocks rather than bonds) and risk that isn't compensated by higher returns (eg. buying OTM options rather than stocks). It's not really clear that higher than expected returns in the past decade or so for "tech stocks and/or crypto", mean that they have higher risk-adjusted returns in the next decade.
