Growing up, I didn't have a lot of cash, but I had a car that needed work on it if I were to drive it... so I learned by tinkering, and I got pretty d*mn good at it. I cracked two heads made a few other minor errors that cost me some money and a LOT of time, but in the long run, I learned a lot, including to approach the unknown with a little extra caution.
This is supposed to be a technical forum, right? People who blindly follow instructions they don't understand are doing so at their own risk... and I would suggest they are probably aware of that! Let's not stop sharing technical information openly because it might cost some newbie a few hours of headaches!