As much as I love crypto, I've learned that I don't have the temperament for investing. I'm too timid when it
comes to finances. I'm fine with smaller investments...$20 here, $50 there...but the thought of buying an
entire bitcoin (or even half of one) scares the bejeezus out of me

I agree, I also dont like to take the risk and a invest a lot of money into bitcoin, some people tend to dump all their saving and thousands and millions of dollars into bitcoin without knowing the fact that its future is still yet unsure, they may have got some serious profit but still it is so risky.