Fear of the unknown
This provably explains the root of all the reasons why people won't. They have no knowledge of what bitcoin really is and what is the possibility once you got your bitcoin. They ca onl see what the media tells and what is urrently being discussed. If they will be educated and learn more deeper informations about why it is a good thing to use bitcoin then maybe they will consider using it. Fluctuation in thw market is only a minor reason, if they have an idea what is happenin then they will want to use it.