I would say the risk depends on the amount of investment. If you are spending more than 20% of your Monthly Income, you are putting yourself at risk. And in that stage, it doesn't matter if the investment is Bitcoin or any other asset in the world. You need to maintain and invest an amount which you are comfortable losing and then, you will never have to worry about the risks involved as Bitcoin will never be at these prices again. 
what if one is not a salary earner ?ImThour said to use 20% of earnings, but use %20 from your savings, there is a difference which you have to know. Well, fun aside, you should have some money in your savings, other than emergency funds, and then use some of the amount from your savings to invest in BTC over a period of time, maybe by doing DCA or by lump sum. But that's not what you are looking for! Am I right?
You want to learn the way to make BTC payments for your business more useful for you. I will say, use the lighting network, for the TX, and do not withdraw all the funds in parts, withdraw them in bulk like at the end of the month. If crypto is not legal in your country then you might not find any customer willing to pay in BTC. Or maybe you might find one or two. Overall, don't rely on any third-party platform to use their service for your business, because you only need a wallet to receive funds.