Just a guess, but I imagine it's the difference between "I'm ashamed I can't make enough money to save anything" vs. "I'm ashamed I blew all my savings on crypt

Just a guess, but I imagine it's the difference between "I'm ashamed I can't make enough money to save anything" vs. "I'm ashamed I blew all my savings on crypto". One is shame about your situation (which are likely to be out of your own desires and control too), the other is shame about your decision (which you likely had better control over).