I too have lost alot (for me) due to my negligence. What I think could change the landscape significantly are rating agencies and decentralized exchanges.
Rating agencies are only as good as the people making the ratings. everyone needs to start doing their own due dilgence and start asking themselves the important questions.
The most important question is "how will this company make bitcoins?" If their plan relies on the price of bitcoin going to the moon, you should just hold onto your bitcoins because you will be in a better position and have much less risk by holding onto your coins instead of giving them to someone else.
I think if we expect the price rise we should not invest our bitcoins in conventional companies like real states, casinos, etc because their incomes are in usd and in the future it would be harder to pay dividends for them. In those case it's better hold btc