If you only choose coins in top 10-20 then I think it's not too big risk that we will face. Indeed, investing in Crypto is a very high risk if you choose Hype coins, which have a pump and dump. Some beginners like hype coins, because they think it will be easy to get profit.
Top coins are always risk and low profits, you earn huge profits from some top coins. Ok, only from a two years history, Binance coin then Litecoin, Vechain and now Ethereum. These all coin did a good announcement and development, so we got the results. If new investors don't want to take hype coins then my suggestion is to wait for next coins development