Of course, before investing money in cryptocurrencies, you need to assess the risks and know all the advantages and disadvantages of the market (coins) in which you are going to invest. I think its absolutely insane to borrow money to buy some coins, but some people still dont understand it.
Unfortunately, many people still think that when they invest in the cryptocurrencies, they will start getting much money. Very often these guys become disappointed as they do not guess that they can have some losses.
This conception is as a result of 2017 bull run, when any investment in an ICO will return atleast 2X, there are some project that give as high as 50X ROI in less than 60days, this is why most of this people believe the party will continue forever, though I too made this mistake but could see the hand writing on the wall fast and make correction. We need to be very prepared because this bear run could exceed what we have seen before