I believe that if you have business with cryptocurrency than you take some risk anyway. But it's not that high as some people think.
Well risk is a term associated to any asset you want to invest in be it the traditional asset of the crypto currencies. But you can avoid the risk by evaluating the asset or crypto coin in the market before investing your money. This is a strategy that keeps you safe in the market. One should also be well aware about the basics of the technology he is using and about the market information that will guide him in making good decisions and hence to maximize his profit.
Apparently, what strategy is held only by professionals and enthusiasts in the world of crypto-currency. But a simple person who has chosen to be active in the crypto-currency market is aimed at making a profit, Which makes him the most vulnerable in difficult situations, because he does not take into account all that you are talking about.