YOU ARE RIGHT !
To make money with stocks you have to be an expert about stocks.
To make money with bonds you have to be an expert, there are pitfalls also here and books written to do this correctly.
The same for crypto lending… the same for crypto arbitrage…
For darwins it is the same: to make money you have to be an expert, there are many pitfalls.
Darwins are more difficult than bonds or stocks but it can be more rewarding.