I disagree with you,I think the right word is a bit scared,and that's natural, because many of us enter the crypto world is because we want to change our lives financially and the way we do it.That is why we are afraid of losing and making our lives miserable so we must make sure that our investment is in good hands.
What you said is true that using the word Cowards is very wrong because being caution dont mean that you are coward it means that you are playing safer side and it is always good because you have to only invest that much which if goes zero should not affect your and your family life. Being safe is never called as coward, if OP is using this word then it means that he dont have much value for his beloved ones.