Because most do not know what theyre investing in and would rather listen to the crowd. What happens then? Prices crash once youve bought into it. Taking a loan or using all your life savings can be hugely risky, especially if you do not have the prerequisite knowledge on the tech and the coins. Be informed. Ask the right people. Arm yourself with knowledge before jumping on the hype-wagon. This would significantly reduce your risk and most importantly, position you to invest in the long-term fundamentals of the technology.
totally agree. there are too much hype about crypto. but I think crypto will rule the world one day, and that day won't be far, maybe in 10 years. don't invest all your savings into crypto, just a portion where you think you can do without. also, diversify your funds into top coin projects so as to minimize losses and gain collectively.