Well for me, I don't think coward is the correct term, the fact that they are into crypto currency most especially Bitcoin, they are already courageous enought ta take risk to be able to gain profit to provide for their families. Being scared, or afraid are natural and I believe that allowing your self to feel those emotions would not really matter until you let those emotions get the best of you. Like letting those hinder your decisions or will lead you to do some things without thinking about the repercussions and consequesnces that may come with it.