Well so in the end your thread title is just a bait to make people look into your ModeFi shilling thread. I don't have a problem with that because the crypto space has always been the wild west in regards of scamming, shilling and so on but i doubt that such threads will convince any reader to invest into that project. I don't know about ModeFi so maybe it even is a great Project, but there are so many new crypto projects out there, it is almost impossible to keep track of them all.
Also i disagree with your statement that you will stay poor if you invest into top 50 coins. I even think that a bear market like now is a good chance to get some of those big coins and when we are back in a bull market even those big projects could do another x10 from here on.
Of course there probably won't be a x100 or even a x1000 anymore but at least the risk is relatively low in comparison to an investment in new projects.