Reason why I don't own Bitcoins is because I don't have enough money to buy a quantity that makes me excited about this whole thing. Let alone not being able to buy because of the country I live in (few are the people who own Bitcoins here and its difficult to buy it from an online platform).
I started with $100, its all I could afford at the time and all I felt I could risk.
The biggest risk I think today is having no BTC if it goes mainstream. YMMV.
Seconded. JayB's line of thinking is the reason why most people are stuck in financial dependence. It's part of the despair to not even do the little things which lead the path to prosperity.
addendum: There are two ways to accumulate bitcoin. The trading and the mining...