When the first cars came out they were limited to 5 kmh and had someone with a red flag walk in front to warn other traffic. People complained that they frightened horses and made cows milk turn sour. People dislike change. They are sceptical of new technology and like to feel safe. Early adopters of technology dont necessarily win with their investment. Some investments will bomb. But early adopters do promote and contribute to the development of the new technology. I don't recommend investing in crypto unless you are keen to learn about it. Without understanding what crypto is and how it works you will easily lose everything you buy. Unless you want to learn about it - it is not necessarily stupid to avoid crypto. A lot of investors in January 2017 are much worse off now.