I support your opinion that one can actually have crypto currency but not invest in cryptocurrencies. Most people loose money when they invest all they have with the hope of a huge return but when they get disappointed as a result of a fail in the price, they lament.

Nah, I'm pretty sure a lot of people around the globe are doing really fine even without cryptocurrencies. You can still easily outperform asset markets in general without investing in cryptocurrencies since most people just end up losing money anyway.