I agree with your opinion, all choices are in our hands. and only we can choose to follow or retreat in that matter.
there is nothing wrong if before participating in a project, we must first understand the project. start management, the length of time it runs. the team, and many more.
however, I only see people always thinking negatively, and reading too much negative news about this before they try it. well, it takes courage to join the world of crytocurrency, because many people say it is risky. but, I just feel they haven't found the right strategy in this matter.