We don't need to know how something works in before we use it. For example, cars or tv's. Not all the people know how this thing are working, but everybody own or use one all the time. The problem with Crypto currencies is that they are not real in the eyes of ordinary people. People cannot see it, cannot touch it and there is no office that can go and ask questions. Crypto currencies are relatively new and have not been time proven. With the time passes people will get more knowledge and the fears will disappear, but will take a while.
I agree with you. so far as you know how to use it, think it's enough for you to make any gains you can from it.
desperate times comes with desperate measures.