Whole-heartedly agree. Big changes are a-coming, we have no idea how it's all going to pan out. Only invest what you can afford to lose. For my part, I'm spreading my investments thin across a series of what I consider to be promising ICOs on the back of my own research (you can follow my blog on Steemit if you want to see where I've been putting my money - and where I've been walking away). My assumption is that at least one of my tokens should have the ability to go to x1000 face value in the long-run. In which case, this whole venture will have been made worthwhile. There are no guarantees, however. I'm very much aware of that.