I am a newbie, even worse than that, I have 0 experience.
Okay, then pick one of the links I quoted above and start reading. It's valuable, free, perfectly-formulated information.
However, I want to learn it to benefit my financial analyst position (maybe become a developer in the future) and also to better understand the programming behind the cryptocurrency world in general, maybe to start with something and get some skills that in the future could help me to learn to build smart contracts or whatever.
So here's what happened to you. You've drowned to articles that contain fancy words such as smart contracts, non-fungible tokens and decentralized finance that govern in the cryptocurrency industry. There lots of money behind this; and as much money there is, so much scam as well.
Leave these confusing articles on pending and learn what's bitcoin. Mark my words.