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.
And you are sure that informed people know the final price for a coin and can be sure that tomorrow there will not be another adjustment, which will reduce it even more. I think that while you can only guess about the movements of the market, and about the prospects of coins can be read on any site, about all the benefits.