Excellent article and well written.

I agree with you on so many points.

The biggest thing is - do your own research, DYOR

Is the coin or ICO you are investing going to solve a problem? If so how big is that problem?

Don't just invest because someone on Youtube/facebook/Steemit says so.

Look at the project/road map/team/coin supply etc

So many good coins out there and lots currently undervalued.

Also lots of coins to avoid because they are utter crap.

Plenty of gains to be had but be wise with your choice of investments :-)