the first does not have a clear understanding, about the investment itself. One does not invest because of lack of knowledge about investment. In his mind, investment is just a money trading activity on the stock market. Yet investment itself has a broad meaning, can be applied in any field. In accordance with the goals to be achieved.
the second does not believe in investment resolution. Although someone has sufficient knowledge in investment and finance. But if the mental is still apathetic, the possibility for him to invest is very small.
and all three are afraid of losing. all cowardly characters will not be winners. In any field, including investment. Because every action is always in the shadow of an unreasoning fear. Even if he has a good reason, I think the reason has been made. Just want to do a mere ego defense.