What makes me confused is capital, there is not much choice in choosing coins to invest if there is insufficient capital
I understand your point. I had suffererd that case also.
In my opinion, if we don't have enough money, then we should increase our work.
"Do more works, then we can get more rewards".
Day by day , our asset keep increasing.
So , no more worries for investment. We all can choose any crypto that we want.