The golden rule is and has always been, "only invest what you can afford to lose." That way, whatever happens you don't need to get stressed. Life is short and we really shouldn't worry about little things like shitcoins. Better to be safe and just invest in blue chips like bitcoin or ethereum.
Yes, man. I am always following this golden rule, and it helps me a lot. I would never also borrow any sum of money to start dealing with the cryptocurrency. Better work more and use 30% of your assets to crypto.