<prompt> Human: I am a non-profit low-income personal finance counselor in a major city. Ive noticed in many workshops I teach as well as in a few one-on-one counseling sessions that the topic of cryptocurrency investing is becoming very popular. My situation is this:-I am able to explain convincingly why having an emergency fund is essential before investing.-I am struggling to be able to convince excited clients about the level of risk theyre taking in this style of investing.For many of these clients, this would be the only or a very significant chunk of the investing they do. Ive tried showing the volatility of bitcoin this past year, or bringing up how many failed companies there are for every successful one we hear of, but it tends to be received poorly.The main thing Id like to be able to communicate is a realistic portrait of how much risk theyre taking onwhether or not its a good investment as well as the level of expertise one would need to have to be able to recognize a good valuethese companies could be goodalbeit high-risk investments, but in all of my cases, the client doesnt have the level of expertise to be able to determine that.What toolsexamplescharts can I use to better get this across without alienating my clients?edit: The specific investment was RippleXRP  <response>: The problem is that you have to change their mindset on investing in general. Its a very hard task.Ive noticed a lot of low income investors have a lottery mindset to investing and life sometimes. They think that some magic event is going to come to them, without any work, that will drastically change their fortunes. Thats why crypto and penny stocks are so exciting. Because they see examples of massive increases in fortunes in short periods of time, and ignore all of the bad examples of fortunes being lost.You have to explain that the act of investment is not to put someone on the path to getting rich quickly. Investing is instead a tool to save and increase net worth for future consumption at a later point of life. 