Everything you have said is fact , I just think crypto works base on individual integrity, a lot of people that started crypto, some gave up on the way because they lack understanding of some basic principles and information that governs the space, you made mention of p2p trades, a lot of people have been scammed in that aspect, scammers uses little tricks most disguise as p2p vendors, one need to be very careful.
As someone, maybe a newbie I don’t think it is advisable to expose your wallet, it very dangerous because people are watching both stalkers and hackers. So that’s why Hardware wallet is very very important.
So my take every newbie should always seek proper guide from a trusted source or a mentor so as to play safe.