Correct. I am still a n00b in the bitcoin world only being in it for about a year.
Now the money part I am complete n00b. I let my wife handle the finances.
Now the technical part of bitcoin I am able to understand...
the money part.... not so much

I got burned and that is that.
I didn't mean a n00b about Bitcoin or about money. I meant a n00b about business. If your impression is that running a coffee shop is risk-free, then I would advise you never to open a coffee shop.