better to lose less than lose a lot. You can learn a lot about mining software, hardware and mining in general by buying ultra cheap, no longer profitable miners. It costs a lot less, and depending on where you live, a much lower electric bill, and your still involved in bitcoin. At this point, the writing is on the wall for home miners and for all the "you'll never ROI" there's still a lot of people more interesting in understanding mining than hooking up your bank account to an exchange to trade fx. And trading btc on exchanges is wrought with spreads and fees and complexity to withdraw funds and such that makes mining far more interesting than buying btc.