The law in the United States actually requires that anyone giving advice that could be construed as investment advice warn users that investing has risks and that profit is not guaranteed.
Investing more than you can afford to lose 100% of is dangerous because ALL INVESTMENTS ARE VOLATILE. Even with something as stable as say gold, there is the possibility that it will lose all of its value and you will be left with nothing.
Personally, I invest time and profits (both of which I am willing to lose) to build my crypto portfolio. So far, my holdings are small but profitable, but I understand that may not remain the case and I may lose out on the venture.