Let me point out one very important point among the points you listed which is about the importance of money to a newbie, there is no way a newbie will earn money from cryptocurrency without the direct investment of money because there is no longer free money anywhere so no one is going ditch out money to a newbie unless their earn it or buy and hold only in exceptional cases you see newbie be earning money without directly investing which is that the newbie will have marketable skills and render service in that regard to get paid with bitcoin.
So even if the newbie doesn't invest money directly,  he will have to invest time and effort in providing such services to get paid for it, that is why marketable knowledge/digital skills are very important.