you have no idea what you are talking about. lisk moreno, ripple are currencies you can not mine. the only 2 currencies you can mine and properly and profitabliy are ethereum and bitcoin. all the other mini currencies, besides ripple which is a made up with a start basing amount which is already distributed, and bitcoin, are only spinoffs on the system of ethereum and back themselves up in ether.
the cost factor of mining is energy only. there is nothing else. the hardware you mine ammortisizes itself depending on the cost of energy. any mining is unprofitable if your country has a cost of $0,25 per kilowatt hour. once you get grip of new hardware, you can sell your used hardware for 50-75% of inital price and you will sell it within a few minutes. keeping in mind you can sell your old hardware and the actual price of a bitcoin (not even considering the 20.000 price) you pay off your investment within 2 months, if you invested 100.000 or 1500 plays no role.
Most profitable is 0,08-0,09$ per kilowatt hour which you can get in china, iceland and some eastern european countries.
countries like germany where a kilowatt hour costs around 0,40$ are simply unprofitable for mining any crypto.
the issue with mining is not the money, but to gather the necesary equipment. it is so overbought that you cant get grip to the fast and efficient miners they are underproduced and only people/companies who buy hundrets of then (cost from 1500-10000/piece) are beeing handled them by the (only) production company Antminer.
trading coins on the other hand is highly unprofitable. because the fees and spreads are exorbitantly huge. you pay easily 20% of fees and spreads to open a position unleveraged. so you must travel 20% in your direction to break even. nobody ever made money trading cryptocrrencies, but whoever mined them made money.
you said pretty much everything wrong in your post.
here is a simple online calculator which caluclates the exact profits per month if you enter your energy cost, the hardware you use and the pool fees:
at the actual price of a bitcoin your profit on mining it with a antminer S9 (price around 2300$) and a energy price of 0,08$ per KWH is 145$ per month. so in theory your antminer pays itself off in around 16 months, but you can sell your antminer for the same amount of money untill a newer version comes out. so if you mine for 6 months and sell the antminer for the same amount of money you earn straight $870 on 0 investment. pure profit.
If you mine for 1 year and a new antminer is released then your old antminer loses value of around 20-30% and you can still sell it for 1600$ and in the 12 months you made 1220$ pure profit by doing absolutely nothing. if the price of bitcoin reaches 15.000 ina year and you didnt sell your coins you make a pure profit of $4258. and when you sell your equipment 1600 on top = 5858$ profit on an initial investment of 2300. = 350% pure profit.
did you ever do 350% / Year with trading?