They cannot take your money if you know how to protect your money, the name of the game is to know when to buy low and sell high if you miss this they are going to take your money, educate yourself about the market, there are too many traps on it, you can escape the trap if you know what kind of traps they are employing, the market is changing so you have to change your strategy from time to time, but it always goes on how high you sell coins that you bought cheap.
I will say this depends. In investment, it is very possible for someone to be patient, wait for the bear market time, bitcoin orocey will reduce and the right time to buy, with time the price of bitcoin will increase and the hodler will gain. But there are cases of people trading, this is what I can not encourage, many people learn more about trading but yet they are losing, some will because of greediness still go for future trading, using high levega and losing easily, but holding is easy to predict and holders will gain but require patience.