Memory safety for one. C is very memory unsafe and that has been the source of a great, great number of software vulnerabilities over the years. Basically, in many C programs it has been possible to force them to execute arbitrary code, and if a program is running with root privileges, an attacker can gain full control over a system by injecting the right input.
I have very limited knowledge of rust, but from what I remember writing memory unsafe programs is nigh impossible as the code won’t really even compile. Someone else with more knowledge can probably give more detail.
You got in at a bad time and probably picked some subpar investments. You likely bought some big tech stocks at the worst possible time, and many of them never recovered because they were way over valued to begin with.
Stick with total market or sp500 fund like VTI or VOO. You’d be up right now if you had.
Also, it sounds like you invested once and then never bought more? The whole point is that you’re buying more every paycheck. You’d be way up if you’d kept investing through 2022 when prices were low.
Retirement accounts with the right funds are supposed to be set it and forget it. Make the automatic contribution every paycheck and look at it maybe once or twice a year. Otherwise, let it be.