People should be very selective when they are choosing where to invest money, what project to support. People should be much more selective than they are now, we would have much less failed projects. Its crazy to support any project, any team, any idea, without checking them, without thinking where they are going with their idea. Bitcoin needed time to build community and trust, other projects will have even harder times to do the same.
I fully agree, only a careful choice can minimize the chance of participating in an unsuccessful project. But even in the case when the project is very promising, there may be many situations in which you may incur financial losses. And unfortunately it is impossible to foresee all possible outcomes.