I think you likely encounter the rude people on twitter hiding behind anon. accounts. My step dad lost ~30k in what he thought was a relatively safe investment (earning APY). I did tell him to be very careful as most of crypto to the uninitiated is a scam. He ended up being able to put Ethereum in but not able to take it out. Obviously if the returns appear to good to be true they probably are but this is an older guy with limited financial experience and virtually no technical knowledge. These people sit there on the sidelines approaching a tough retirement watching people get rich or "earning" 15% APR and start to panic that they are missing a once in a life time opportunity and jump in. Its sad.