That's one I can't understand, unless they have zero savings. There's no harm for most people to risk 1% of the money they can afford to lose, when doing that over the last 9 years has proved to be a wise move. I think it's more down to laziness. Most people can't be bothered to switch their gas, electric, phone etc, even if it would save them money. Buying crypto is just too much of a hassle at the moment for people like that.