No, by investing in some ETH or BTC, the likelihood that the coin will plummet in value is minimal. Various obscure coins that have questionable fundamental properties have a much higher probability for rapid depreciation. Therefore, the claim that any coin can also depreciate like some obscure token offering 22% annualized returns is not true and is more like complacency to put your money into that 22% token. Risks are not equal and where they offer high interest rates, that place will always have higher risks than the rest.