My one cent of opinion on the above topic, Crypto investment have some degree of Risk, it is the same amount you put in as to the Value of Risk factor. one should learn the Fundamentals, Market structure, market trends, market stability, above all one should learn to be PATIENT and know the right timing to invest in the market. i follow this simple principle.."Buy low and Sell High".
I agree with your opinion. Yes, all investors should know and be prepared to take any risk, if not trained or I mean before they take the step of investing, first to learn what the investment and the impacts are given when investing, with which they will have no trouble and little chance reducing the risk that investors will bear.