Investment is always a risk. We risk losing money, we risk losing income. And it doesn't always depend on our own actions. It is important to correctly assess the risks that exist so that there is no disappointment. Cryptocurrency has a very high risk of losing value. But the income can also be good. If you want stability, invest in stocks and coins. If you want to make good money, invest in cryptocurrency, but be prepared not to receive income
These are some very good points mentioned. But not everyone is so literate to invest coins and stocks and crypto.
There are also other option like local progressive businesses. One can have a look at them as well. And invest wisely.