The risk of investing to bitcoins is higher than before since the price difference from the first it started is quite huge and it can increase much more. Unless you can predict and know how to play the price or how stable the price is, the lower the risk it can affect you. Mind you there is always risk in almost everything and you can't just eliminate them. Nothing is absolute.
I agree that now the risk to invest in bitcoin is much higher. Nobody can predict the price and in case of a fall you can lose everything.
You will not loose everything even if price goes down as price will never fall back to zero and if it falls to zero then only your will be loosing everything but I don't think that will ever happen and I don't see any risk in investing in bitcoins as the price is continuously increasing.
Yes losing bitcoin is never happen if bitcoin price are not go down to zero. That is never happen because bitcoin is stable and the price of bitcoin is still going up. And bitcoin are good for now because the price is increasing.