The way I am seeing it is that Dave Ramsey is a conflicting man as far as cryptocurrency is concerned. While I understand that there are bigger risks in this industry compared to others, the possible rewards can also be a lot better and can even top the scale. What he should be saying is that cryptocurrency may not be for everyone as not all may have a taste for its established volatility though we should always remember that its high rewards come from this factor - high volatility. Dave should not be recommending cryptocurrency to people like him...who might be so allergic to big risks. But clearly with his assessment or the one written on his name, I can sense that he is actually salivating of that possible rewards while being so afraid of the risks. Man, no big risks, no big rewards. That is so elementary. Now, again, we should note that crypto is for the brave of hearts not for anyone who might faint seeing his holdings plumet within seconds. In other words, if you want to go for crypto do not listen to Dave Ramsey better listen to Robert Kiyosaki who is recommending gold, silver and Bitcoin in the face of possible economic collapse of USA.