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Some good points. I would say the personal problems a whole lot of people usually end up having is that they are not ready to learn and that would always put them in a position of making important decisions ignorantly and blindly. As long as you can find the ways to make a better decision for yourself in the long run, and you have the ability to analyze on your own, there is no way making a decision will be a problem and that eliminated any individual problem.
Crypto market on its own is still evolving and certainly, volatility and price manipulation are some things you cannot just do without at the moment until the market gets more matured. With respect to regulation, I believe as time goes on, all these would be a forgotten thing as most countries, will see the need to derive benefit from the space and without regulating, they won't be able to do that.