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.
I totally agree with this one. Well, we need to be knowledgeable about something that is new to us and we need to be careful when doing it for the first time. Aside from being knowledgable, we must do what is right, even though we know all about Crypto then we are doing it wrong then it has no difference at all being ignorant on that matter or worst. Risks are already there, we must know how to manage it.