Since zero people hold their retirement savings in cash, a more honest one would be an S&P chart, and a btc chart, and then circle all the drawdowns on both, and wish them the best.  

Or you could, like, explain how the elements fit together with a pricing model.  Like I originally asked for. 

But you give the advice you think will be most helpful in your role as Uncle Jim. I'll do the same. Best of luck to your loved ones. 

That's fair. Maybe in that case it is just best to show a 50 year chart of the USD and ask "do you expect this trend to reverse?". 

grayruby

bitcoin

Favorite btc price models / simulators?

elvismercury

I think that's the best case - as a reminder about mindset. Some utility in that. But there are very pragmatic reasons to care about price, as above, and receiving the mantra does those people no good when they need info to make important life decisions. 