To be objective, this amount is not critical for developed countries. In fact, this is income for 5-6 months (I can be wrong, but not much). Therefore, I would agree with the statement that it is just money. They can be earned again.
And by the way, everyone who, for example, did not buy Bitcoin or Ethereum cheaply has potentially lost much more

The annual salary will be around £ 30,000 and loosing £20,000 is a huge amount in any developed country and even if you have a good bank balance it can derail your plans. What you are saying is not even hypothetical, how can someone loose anything if they did not even invest to begin with, what kind of logic is that and no one will calculate their profit loss percentage like that

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