The bigger the risk, the bigger the gain. If anybody is afraid of losing then put the money in a bank or in a vault no risk no gain. Take the risk if you succeed you will be happy if you lose you will become wise. it's a win win situation. But offcourse it defends on how you absorb the situation.
I agree that puting your money in the bank is safe when it come to money, but the bad thing in the bank, your money will decrease becuase of flactuation every year the product price will change, so much better to take a rick, i mean do some investion to grow your money even you didn't money will work for you. And i agree that it's depend on your situation.
Not long ago depositors in Greece had the rude awakening that their supposed safe funds in the banks were no longer safe as their government without the consent of the depositors, helped itself to some of the funds. So now, you know that neither your money in banks nor your vaults guarantees your money is safe.
As a matter of fact, in today's economy, the best way to reduce the risks up against one's money is by investing them and investing them wisely, free from inflation, devaluation, etc. Any other way to offers to be risk free must be an illusion.