Why Would an Individual Choose to Hold Money for Speculative

Why would an individual choose to hold money for speculative purposes when the nominal return to holding money is zero?

A) because in the long run, stocks and bonds get negative rates of return
B) because all economies experience deflation regularly, so the real return is still positive
C) because in the short run, stocks and bonds can have a negative rate of return
D) because zero is the best any asset can get