ICO's are a great way to put your money in good use. Just think of the alternatives. Investing in the S&P which is a traditional index with the five hundred biggest companies in the US will get you an average return of about 8%, which is very low. In contrast BTC had a return of about 800% this years and ether about 2000%. The risk reward ratio is definitely worth risking some of your money. Yes ICO's are very speculative and you run the chance of losing your invested capital, but the fact that you can multiply the initial invested capital by a thousand fold makes the risk more than worth it. Fact is that many people have become millionaires thanks to ICO's and many have lost all of their money. It's up to you to decide which kind of investor you are goin to be.