It is easy to lose money as an ordinary person when investment is encrypted. If you cannot restrain your greed, you will lose money in the end. Buying low and selling high is not something anyone can do. Most people lose money speculating in the market.
Basically many have no technical knowledge but can buy and sell base, so, buy low and sell high doesn't need more or highland knowledge to carryout. Speculation can be a different thing in this context because, those who speculate are mostly the whales and this is done when they intend to moop up the market with the low buy mentality. Actually, many have loss to this tactics and have learnt their lessons.
I would say that; highland knowledge is needed in the core building of the Blockchain the technology. Programming knowledge is highly required when going into the Blockchain development and the creation of wallets