That's true.However, one cannot become rich unless one do not take any risk in life.For some people 30 k is big money, for some people not so... If you are working in job that pays you nicely, then you most likely recover from 30 k loss faster than someone flipping burgers.

That depends on the monero devs and community. If they can turn monero to something easy to use for everyone (mobile/light clients) and if they can put widely used real life services in the foreground then yes, it could go to "da moon", and you can be a millionaire

In my opinion you fail to understand the fact that Monero can be used also as a store of value.You do not buy bread with gold coins, do you? Still gold is considered valuable.Even if Monero will never reach mainstream adoption, it can reach the adoption of store of value.When you need a loaf of bread, you just convert 0.000001 XMR to fiat and buy a loaf of bread, and when you close a real estate deal, you store the money into Moneros waiting to be used/invested somewhere else.A coin like Monero is actually pretty ideal for store of value: it is anonymous so nobody knows your balances unless you choose to reveal it. The coin supply is low which make it scarce (like gold).In 20+ years I see one Monero costing 1 000 000 usd - and it may even be a bargain at that time.The current Monero holders do not bother to sell any of their coins since they have so much money that they do not care anything anymore.

That depends on the monero devs and community. If they can turn monero to something easy to use for everyone (mobile/light clients) and if they can put widely used real life services in the foreground then yes, it could go to "da moon", and you can be a millionaire

Gold is a store of value, because of gold is gold everywhere and traditionally considered valuable by everyone. I don't see how monero can achieve such an universal consensus. By acceptance BTC, LTC, and several other coins are way ahead of it, technologically it's inferior to NXT and most of the gen2 coins (OK, I know most or those G2 coins exist only on paper, or in early beta), if we look at the popularity I'd say there are a lot of coins what doing far better. Then why monero?

In my opinion you fail to understand the fact that Monero can be used also as a store of value. You do not buy bread with gold coins, do you? Still gold is considered valuable. Even if Monero will never reach mainstream adoption, it can reach the adoption of store of value. When you need a loaf of bread, you just convert 0.000001 XMR to fiat and buy a loaf of bread, and when you close a real estate deal, you store the money into Moneros waiting to be used/invested somewhere else. A coin like Monero is actually pretty ideal for store of value: it is anonymous so nobody knows your balances unless you choose to reveal it. The coin supply is low which make it scarce (like gold). In 20+ years I see one Monero costing 1 000 000 usd - and it may even be a bargain at that time. The current Monero holders do not bother to sell any of their coins since they have so much money that they do not care anything anymore.