I think that Bitcoin is pretty safe to use but there are always scammers active so look out for those people.
If you are just doing your own thing and not pay other people attention you should be alright.
yes the most terrible thing is a scammer, you should stay away from investments that are not clear or looks like HYIP.
it is best to hold bitcoin to wait for the price to rise or trading. I think the best way is far from scammers.