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I will not invest in Crypto in any way, shape, or form. Like you, I don't understand it, and I don't have funds I'm willing to take a risk with. I have done some research on crypto, it just doesn't make sense. I work for a financial institution, the articles I've read through work don't make it sound like a safe or prudent investiment, though I have spoken with some members (I work for a Credit Union) who are investing in crypto. They were excited, but they didn't tell me anything that made me eager to take the risk.

A year or so ago I was in a cigar lounge in Philadelphia, and the manager was touting his investment in an obscure crypto to one of the patrons. "I got in at (a fraction of a cent) if it just goes to $1 or$5 etc. I will make millions." The financially illiterate patron was all ears. When things like this take place the outcome, absent naive luck, is never good.

If someone touts crypto to you, a good way to test their knowledge is to ask them to explain the philosophical, economic, and technical underpinnings of the concept. Then, the role of Bitcoin and Ethereum, which make some sense. Then, the role of whatever crypto coin they are pushing. Their eyes will glaze over.

You are wise to be careful.

Until it is better understood, better not to mess with it. If it can't be better understood, leave it alone. Some financial BS is just a good way to lose your money as fast as throwing it out the window. Mostly I stash mine in index funds because they track broader markets instead of trying to pick winners in the casino, which is little better than a game of chance most of the time.

This Luddite totally agrees!

Knowing nothing about crypto but what I hear on Podcasts, I would stay away from it. My mother told me not to gamble with money you cannot afford to lose.

Consider Crypto as a safe way/tool to Transfer/Reserve/Save a Value or in a better word, any Information ( per Blockchain ). It's Not the Value itself. like a banknote, the Paper itself is worthless, but the Value it represents.
Investing in Crypto as a Value is the Dumbest thing I have ever seen.