Who claims you have nothing to lose? Let me at them so I can go flag them. They're lying. If you brought your own money to the table here, you have all that money to lose. I'm sorry if people misled you into thinking this wasn't true.

The part where "nothing to lose" starts to be slightly more true is if you didn't buy your way into steem, but rather blogged your way into steem. Even then though, it takes a lot of time to write good content - so you're still risking your time.