If you want to reduce the risk then there could be some options. First of all you should always invest into established and we'll known altcoins like ETH , SOL BNB etc. Don't go for the new ones especially when your a newbie in the market. If you want to invest into meme coins I'll advise you to only invest a small amount in them because they're very volatile.
I agree with you. OP asked how to make money from cryptocurrency. That means you can earn money with big risks or small risks. Trading on an exchange or testnet carries a small risk of loss because on the exchange you can cut losses or take other loss prevention steps. Testnet does not require a lot of capital and you can get big profits by becoming a tester. But meme coins have big risks. I do not recommend that you, especially if you are a beginner, invest in meme coins.