All of the risks you listed do exist but there is no escape from them.Im not afraid to take risks when investing. The only embarrassing moment when investing is fraudulent projects. Recently, fraudsters have learned to disguise themselves well. Im sure that as soon as algorithms are created that exclude completely fraudsters the investment climate will improve.
Better not to work with ICO projects. Since bitcoin is falling and the market is in negative mood. I've join some ICO projects and they're closed now due to the red signal from markets. I think ICOs are depends on your luck.