I think @craig-grant has a good attitude. Treat it all as play money, and also @dantheman makes a good point also which is don't contribute that which you cannot afford to lose. If I look at the charts to be honest crypto has been an excellent place for us all to store our wealth and because it's only about 10 million people total there is a lot of room for growth too. With crypto the buy and hold strategy seems to work, it requires patience. Look at Bitshares for example, if you bought it as Protoshares and held until now you made a nice profit.

I take the stakeholder approach because I'm not patient enough nor the sort of person who can buy something like ETH and just forget about it. I'm too attracted to the community, the technology, etc. The topics being researched just happened to be the exact topics I spent my life studying, that I went to school for, so I feel as if my contributions can be most useful in this space. If I feel I can add value to a project that I'm a stakeholder in then I'm taking active responsibility to increase the price of the token if that makes any sense.