"No pain, no gain!" This suits the investment endeavor too. So, if one cannot handle the risk or "pain" of losing some moola into crypto, then gaining will be hard.
Yes, I totally agree, several exchange projects are great for investing. I do see great potential in token swap projects too. A good example with a promising future is the upcoming Mocktail finance. Using Binance smart chain is one way to gain trust and reduce fees.
The risk will always exist in any kind of investment, include in cryptocurrency.
If we already done some researches on the project and believe the project is good, then we should take a risk to buy the coin.
We will never know if the coin goes well later and become top coins like BNB.
However, if you really want to invest, of course we have to be prepared to accept the risks,
what is certain is the risk is part of investing so it has become commonplace,
by doing an analysis before investing maybe it will minimize the risks