The difference between unsuccessful people and successful people is usually the fact that successful individuals take more risks and opportunities when they present themselves. Most people are afraid to take risks, afraid to do new things and thus close themselves off to possibilities of the future. Bitcoin is no different, it's a new thing to most people and it's a bit difficult to understand which doesn't help it's case. But it is an opportunity first and foremost, most people fear what they might lose, and not what they may gain in the process. Even if in the process they lose everything, that experience is something to gain as well. Everything matters and crafts the individual, failures often matter more than successes because you learn more about yourself and the world. I believe all this ties together with why people don't want to invest.