Ach du lieber, here we go again – every barfly with a smartphone suddenly thinks he’s Wall Street Wolfgang just because he bought a shiny crypto coin at 2 a.m. after three Lone Stars. Let me tell you from the start: if you want guaranteed riches, buy yourself a good Brezn and a six-pack, at least then you know what you’re getting. Stocks? ETFs? Crypto? Jawoll, they can make sense, but they can also eat your wallet faster than a…