I like how you broke down crypto into three categories, it is very true.
Also, with coin market cap people should be cautious and be sure to research the actual coin in my opinion because some of the "ponzi coins" we joke about so much are listed pretty highly on there. Always always always do your research before investing in to anything and the number one thing you mentioned in my opinion is NEVER INVEST WHAT YOU ARENT WILLING TO LOSE.
Up-Yunks for you...
Much knowledge has been spilt.