thats comforting.
Please take the following advice: if you cannot afford to lose the money invested in bitcoin, do not invest in bitcoin.
From the standard investor's perspective, bitcoin is very high risk, with any number of possibilities for complete collapse. An undiscovered software bug could eat your money -- this is beta software after all. A virus could steal your funds. A large money player could spike the market down, if they so chose. A government could intervene. A million-CPU botnet could take it down. Exchanges could get hit with massive fraud, or even the equivalent of a bank heist -- after all, most of these are one-person operations, due to bitcoin's small size.
Or, worst of all, a simple massive loss of confidence could cause a value collapse.
You have plenty of skilled developers working hard to make it succeed, and plenty of smart cryptographers reviewing and commenting on the open source code.
So I think it will succeed.
But believe the "beta" label on the software. Bitcoin is very young.