The main factor people getting afraid to invest in bitcoin is because the bitcoin price is very volatile and there is no law regulating bitcoin. If they do not already know the bitcoin completely, they must think over and over again. After all they are afraid that one day they may lose their bitcoin, then to whom they will complain and hold accountable. Most of them prefer to invest in the form of goods.
Yes, right mate and I agree with you the main factor is the volatility of bitcoin and there are some countries banned bitcoin so some will hesitate to invest. The lack of knowledge about crypto currency is also one of the factor and also since it is digital currency which cannot be seen nor cannot be touch so they prefer to invest in goods.