I guess keeping important apps and accounts protected with strong passwords and other security measures should be taken when dealing with keeping hard earned money safe. While surely there are governments which are not friendly to crypto, I guess it would be better to follow what the government is imposing for the time being for own safety, for like those people, if they managed to earn that money by working hard and then converted it to crypto, they should have good answers about the sources, if they can't give proper answers, that does indicate the chances of them being fraud. I guess for normal people too, it is better to wait and pray that government recognizes crypto then trade or hold rather than buying and then hiding it. 
but for my country crypto is fully supported by the government because they know crypto is a digital asset for the future which is very good for investing, even though it cannot be used as a legal means of payment yet, the government has fully supported crypto users and has made the best possible regulations so that It is not easy to commit fraud, of course this is something every citizen and state apparatus must be aware of.