A person will not really advance or become rich if he has a poor mindset in his mind, even if they don't change it. Because you feel like you're not like this, I'm just poor, I don't have the ability, and so on so you can't start acting.
It must start with ourselves that you have a strong burning desire or drive to get out of your situation. Because if you just lie down and wait for what's coming, nothing in your life will ever change. YOU MUST TAKE ACTION NOW...
You make a lot of good points, the main one being that education is critical and putting your money to work requires a learning process where you may lose some money occasionally. As long as you assess and learn from your mistakes, it's a valuable lesson that may even be cost effective. All the best business people have one thing in common, which is a willingness to test, optimize and drop bad ideas until they find a winner. Going in with a lot of knowledge, more than the average person, is going to be your best defense against losing money. Understanding fees that are connected with any services you use can also make a huge difference to your long term returns, paying 2% fees instead of 0.5% fees can add up to tens of thousands of your dollars lost to compounding over long time periods.