You will certainly lose everything if you keep it in fiat sitting in a bank. That's a fact. Crypto, the worst that happens if you lose everything. The best that happens is you end up a millionaire and take down the central banks.
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Spoken like a True CypherPunk...
There are 'investments' and 'gambles' and CryptoCurrency is a bit of both, so you might as well get some Las Vegas style 'entertainment' from it while supporting a worthy cause.
If you 'lose everything' it will probably be because the government and big banks step in to 'regulate' things and keep you 'safe'...