When talking about money, in any form: fiat, crypto, credit, loan, mortgage, gold..., the most important thing is to stick to the abbreviation I heard a long time ago (even before entering the crypto world), NFA.

Financial advice, I neither receive nor give, I even try not to talk about money in any form outside of my family. I can only listen to what they are saying (like what you heard), and everything I would say to my interlocutor would probably be only my opinion, how I would act at that moment, if I were to express it. In any case my interlocutor will do what he intended, why should I be guilty (or responsible) for his decision...