If you can't afford loss, it basically mean you wouldn't invest in anything at all, you wouldn't also start a business in real life, or buy a car, or start your brand, etc; nearly everything we do in life has its own form of risk, but the thing is, it is always preferable to minimize the risk involved when taking a move.

Having said that, in the crypto market it is altcoins that are pump and dump coins, and as a newbie that you are you should steer clear of them until maybe when you have the experience; but Bitcoin is great if you are prepared to hold for the long term, but it as well requires patience and understanding of the market; right now i think you should not think about investing in crypto, but garnering knowledge, once you have enough of it, your journey would be seamless.