I have friends, smart guys, are doctors earn a lot. They invest everything in crypto and are super prone to follow the hype cycle. Meaning they diversify earnin

I have friends, smart guys, are doctors earn a lot. They invest everything in crypto and are super prone to follow the hype cycle. Meaning they diversify earning after crashes, but when the hype starts they go all in on crypto. They make 5 times more than me but have no savings. I believe in dumb investment certificates (0). Some people, no matter how smart, are too stupid to invest (0) https://www.bloomberg.com/opinion/articles/2018-09-24/earning-the-right-to-get-swindled https://www.bloomberg.com/opinion/articles/2018-09-24/earnin...