I think you misread their intent a little bit. For any wildly speculative investment (I mean, lets be honest, as great as bitcoin is, its prone to very dramatic moves - both positive and negative) its important to couch to investors that "Hey, this isn't a sure bet. You need to be emotionally prepared that you could lose big time." This is especially true for people who really haven't done their homework and don't know anything about crypto, but have simply heard "wow, bitcoin is going up like crazy". The basic idea when investing in anything, I think, is that a person should be emotionally/financially prepared that yes, they could lose everything, and not to invest in a way that, if any particular investment went south, it woulnd't ruin you.