> Mr. Kim, who is 27 and lives with his parents, once made so much money trading cryptocurrencies that he was spending $1,000 a month on whatever he wanted. He quit his job. He borrowed to buy more. He planned to buy a house.

Cryptocurrency markets are so volatile that I would just stash that $1,000 a month away somewhere rather than trying to double down. I'd consider every penny I earned to be a win and hope it continued for a while. I'd expect it to end in tears if I didn't. I guess I'm just more risk-averse.