There is a popular saying that invest only what you can afford to loose. Some people are making the mistake of investing all their life savings into crypto and other ventures. Some people even went as far as borrowing money or even using their properties as collaterals to borrow money so as to invest into crypto. This is a wrong idea and it might cost you a lot.
Every investment has its risks. So consider the the risk involved by taking each step at a time and do not jump in once.
I am agree with you. We should invest with our money that we can afford to lose. If we are borrowing money to invest, i am afraid it will not make us more relax because any investment market always volatile.
Unfortunately, I know many guys, who took their decision to borrow money and invest it in the cryptocurrency. Now, they lost everything - they need to return their debts but do not know how to do it.