Actually the word coward doesn't work in the field of economy. Here everyone is running for making some profit, and to make profit we need to be a bit coward for some time.
Absolutely agree. In economic matters, everyone is beating their way, which will be the most economically profitable. Reasonable risk is the basis of any business. You can not blame a person for not wanting to put themselves at risk in business. After all, what would we not say, and the laws of the economy should work in the crypto currency. And this means that if everyone invests in bitcoin, its value will begin as a financial bubble with all the ensuing negative consequences. Are you ready for this turn of events?