As far as I know, crypto risk is actually a loss caused by a decrease in crypto prices, which we all know that crypto prices are unstable where they can drop sharply anytime and can also rise quickly. Besides that security is also a real crypto risk that is prone to theft, which can be detrimental to crypto owners, which we all also know that there is no security guarantee given to crypto owners in the event of theft.
You are only talking about the risks that the token holder carries. There are a lot of other risks. For example, we saw a lot of examples of cheating blockchains like 51% attack and other different attempts to hack blockchains. In this case, even if the user securely stores his password and buys at the bottom, he is not immune from a technical error of the developers.