It will always be the user and not the technology. The lack of knowledge and understanding is really what drives the risks in any kind of industry. Let us have an anology: for instance you would want to learn how to drive a motorbike the risk of being in an accident is not to be blamed to the bike but rather your knowledge and experience on how to drive it.
Lack of knowledge about investment in cryptocurrency is the things that we need to avoid because it will bring you a huge loses. The real risks in cryptocurrency is the unstable and volatile market which the price always change and there are time that the market will totally down or up.