Beginners most often lose money not because of the market, crises, or a "bad timing."
The main mistake is starting with (as strange as it may sound) money, not with a system.

Most people think like this:
-how much can I earn
-what to buy
-when to enter

The professional approach is the opposite:
-what risk is acceptable
-what strategy
-what instruments

Without a system, any investment turns into a bet.

Lucky today - unlucky tomorrow. This has nothing to do with the market.
Hence the typical consequences:
-chaotic trades
-frequent strategy changes
-emotional decisions
-disappointment in investing

Investing does not start with choosing an asset.
It starts with understanding:
-why you are investing
-for how long
-what risk you are willing to take

Returns are a consequence. The system is the cause.
Most people lose money precisely because they confuse these things.