Dear my friend @steemero, i just setup a bounty for your very interesting question in this post, i hope you will see many people answer you and i hope you will love it...:))
Regarding your question i am very sensitive about it because unfortunately i joined crypto in the worse moment, after end 2017 bubble.
Now market is extabilized but i lost many money in wrong investments of shitcoins, scam cloudmining, promising icos and fake hyip, so i have to recover my financial situation before invest again...:(((