[edited out]
The age matters a lot. I can tell from the people that I talk to, the younger they are the more they are willing to take a gamble in crypto and also the less they are willing to put serious effort into learning about it.
Fuck shitcoins.
Learn about bitcoin first, and if you still want to play around with shitcoins, after you learn about bitcoin and after you have already established your bitcoin stake, then surely make sure that you do not overdo your allocation into shitcoins and realize that you are gambling a lot with them... and bitcoin is already risky enough and shitcoins are correlated to bitcoin, so starting with bitcoin first and building up a bitcoin portfolio first would make sense also in terms of
attempting to avoid having shitcoins dilute your bitcoin investment.
This is what I meant. I just said that the majority of the younger people consider it less from an investment point of view with the goal to attain financial freedom or independence at some point in their life. They really look at it like a casino and are more prone to being caught by catchy terms and hot air white papers. I think during bull runs it is difficult for those who are new to the industry to immediately put themselves together and realize the pitfalls that come with shit coins and the consequences of their investment decisions.
If a very young person, say at the age of 18 started accumulating BTC in small proportions like 50 dollars a month over 10 years ago, that would be a fortune already. But who did that? Not many are that disciplined so early on and are so far-sighted that they unconditionally stick to their investment rule without getting distracted from all that shit coin buzz around them. It is easier to see all the issues with a few years of experience.
You mentioned the biggest problem of shit coins, which is that people often don't use extra resources to lose money on shit coins, but that they use their bitcoin to buy shit coins since it is convenient (or has been years ago).
To get back to OP's question what are some financial secrets, I think some of these secrets in the vast majority of the cases develop with experience. If someone without experience sees these ballooning shit coins, it's tough to keep the fingers where they are and not push the buy button. That was how I felt once. But now I can safely tell that it is a crypto eternity ago that I actively bought an alt coin as an investment.