The truth remains, crypto is not for anyone that is careless. Omo, forgetting password is saying goodbye to the funds. Which is a solid disadvantage. I do remember I have up to three accounts I misplaced my phrases and that was how I lost those funds. The funds are not that very much but would have at least bought me some pairs of good shoes.

Decentralized where the money or asset is prone to deduction from the amount deposited due to a dip or fall in the market.

In this aspect, the only advice I give people I know they don't much about crypto, is to save their money in stable coins. With that they will know their fund won't depreciate even when the market is bearish.