with regard to losing everything, I lost a lot of bitcoins because of a computer hard drive breaking. then I left the crypto scene for a while, didn't lose much at the time because btc wasn't worth much at all, though if i lost it now i would probably throw a paddy fit, and drink myself to an early grave. losing them coins was a learning experience to always keep backups.
the coins would have probably gone on a game when the value got to over a dollar, so kind of glad it happened. if it didn't I may have lost a lot more in value later on.

scams are probably a bigger risk but the next biggest risk is probably losing a wallet through hardware fails than anything else.