Our flights are fully refundable, so I’m considering only listing my non-refundable hotel and tour costs for the insurance. Is saving on the premium a wise choice, or am I restricting coverage for flight delays, missed connections, or emergency rebooking by not including airfare in the policy?

I always prefer crypto over stocks or mutual funds because of their faster returns. I am planning to invest in altcoins like Little Pepe (LILPEPE), Bonk (BONK), and Arbitrum (ARB). Is this approach too risky?