Greed has kept many people down because some people wants even get rich over night but to invest is not a bad thing though, only that before you invest in any business you should a prime knowledge of the industry you want to invest. For instance: you can't listen to a marketer telling to invest on a product you never have ideas of before, you may end up losing your money for his or her own self interest. As for newbies no point to invest because you're new what you need is the knowledge of how bitcoin or altcoins works! If you're much convinced on a long run, you can take the risk but I always we should use spare money for investment.