Stephanie plans to start investing, but she has no investment experience. She prefers to invest in a low-risk investment that offers high returns. She prefers guaranteed investments that can be managed online with quick transactions. Her friends recommend investing in cryptocurrencies. 

Which of the following is a reason why cryptocurrency is the least suitable investment option for Stephanie? 

a. It involves high risk of loss of principal invested. 

b. It involves slow transactions and low returns 

c. It requires additional fees for transactions. 

d. It cannot be bought through online exchanges