Thanks for raising this topic, if the fundamentals of the cause is not clear, it is very easy to get disturbed by the price fluctuation. We should remember, this whole revolution is beyond just currency.

Are you heavily invested in cryptocurrencies?
Moderately in terms of money , heavily in terms of intellectual capacity.

What are you major concerns as a user/investor?
Adoption and scaling before it goes out of control.

Are you worried of hacks, exchanges disappearing overnight, ban on bitcoin or cryptocurrency trading or any other?
None of these worries me, biggest worry is if adversaries can somehow destroy confidence in the whole idea. Compromising on the decentralization because of too many alternative ideas.

I am writing mostly on the philosophy of the idea itself, please stay tuned with me. Thanks in advance.