Because most do not know what theyre investing in and would rather listen to the crowd. What happens then? Prices crash once youve bought into it. Taking a loan or using all your life savings can be hugely risky, especially if you do not have the prerequisite knowledge on the tech and the coins. Be informed. Ask the right people. Arm yourself with knowledge before jumping on the hype-wagon. This would significantly reduce your risk and most importantly, position you to invest in the long-term fundamentals of the technology.
There are a lot of examples how cryptocurrencies made ordinary untalented people fabulously rich. Those examples are like a miracle for many people who want to become rich. They are following their desires.