I'm really new in crypto so I've only had scratchs. But for me it was to be to faithful with friend/youtuber who proposed referral link.

For example I began to used Swissborg exchange instead of coinbase pro (I already knew how to used coinbase pro). I believed my friend who said it was cheaper than coinbase or binance (it was not). I didn't put lot of money in it, just the minimum wage to get the welcome bonus. The problem was when I wanted to put my coin on my wallet. I didn't check minimum withdraw fees. It was 20% of my bag in this app