If this is such a big barriers then they probably are losers that won't get anything from live if they don't change, and probably would lose their BTC to scams or hacks or because they panic sold at the wrong time, so they wouldn't make difference in the end.
yes, this is one of their concern
as there is no to the price fluctuation, they require a more normal-user-friendly mechanism or platform to buy and sell
imagine you have to transfer your bitcoin from wallet to the exchange, then trade at the exchange, it is just too slow and it is so dangerous if we store our bitcoin in those exchange platforms, let alone the complicated authentication process and password
the purpose of doing this investment is not for the losing money,so we are still looking some easy way
something physical, like mobile credit reload card