Panic selling is not what you have to worry about. The thing that will ruin your life is letting the emotion of greed get a hold on you. So that you keep putting real money, including using Credit Cards and Mortgages on their homes. Into a Ponzi Scheme that they think will only go up and up for ever and ever. That just is not ever the case. That is what is going to ruin people. It's as sure as Death and Taxes, it's just a matter of when.
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Good point however do you think that all cryptos are ponzi scheme? what of central governments and their banks printing money like hell..