He has money set aside for the grandkids to go towards their education or their first home. His kids don't really need money everyone is doing just fine, so he is really in wealth preservation mode and I want to protect against a health outcome where he would need more care than his daughter can provide and needed to sell Bitcoin at the wrong time. Wouldn't want him to have to sell a couple years down the road during a bear market. Hopefully that doesn't happen but it's a potential outcome for an 80 year old.