You don't mention any details that would be a cause for concern and are throwing some red flags. Deep breath. It is going to be OK. There are worse things to be

You don't mention any details that would be a cause for concern and are throwing some red flags. Deep breath. It is going to be OK. There are worse things to be putting money into, she could be taking out loans from the mob and gambling, or shorting stocks. The worst case scenario here is just that she loses all of the money she put in. Maybe start by engaging her in a conversation about the topic. What does she think about crypto? If she already figures its akin to gambling, like any other kind of speculation, then it is probably fine.