I never realized this to destroy other traders without any plan. As much as possible I want everyone to earn with trading. I'm not selfish though but that's it. Yes! investing is believing to what you are doing with your money and it is accumulated risk where the rewards is worth it someday.

But this isn't for everyone, those that doesn't have an appetite to investing, they should remain to their office jobs but to have a better living in the future, start investing.

I am checking out some ICO's. I am aware that ERC-20 tokens won't offer privacy ... as in people can see how many coins an address is holding and all of the transactions.

I want to invest in some coins that won't be showing my balance and transactions

which blockchains offer this - Do coins built on NEM offer this privacy?

In fact, in the past few days many sells other coins in the ethereum because ethnoum has fallen due to market conditions. panic selling again happened oh pay for coins or tokens out of time and not properly resolved.

the most plausible reason is, that there are many altcoins that die and become shitcoin. this is the most sensible throughout crypto trading and investment.
what you say will never happen, the decline in bitcoin is not the first time in crypto history.

I have never seen so much anxiety before. With scams all around, the market going down, so many uncertainties, how to cope up from all of this when you can't be sure about your investments?

Do you keep a backup plan? How do you manage when things go down in crypto?

I think XRP is a great coin for invest right now, XRP is so stable and has had a good increase lately. XRP has proven they can compete with Ethereum at this time.