Never use 100% total Amount. only use your 20% or less money. and don't affect your normal life.
I got your point and it is really right that don't invest the 100% money in crypto currency becauise if a person invest his 100% money in crypto and if they loss then that wold be very bad for him and in emergency time he have no money to use it so yes people need to invest their 20% capital in crypto.