It`s risk and benefit my friend, but every risk has a possible benefit, thats why we are risking in the first place. You are talking here about some things that can happen with every currency, just replace banks with the computers (all thou they have computers now, practically its the same). My opinion is to risk when ever you see the chance for winning, sometimes you will succeed and sometimes you will lose. Don`t be afraid to risk that will hold you in your life.