Easier for us (younger generation) to recuperate from a loss. The gold/silver market isn't as volatile as say crypto. I can understand why older people would rather not invest in a risky business. If they are retired then they don't have a stable income which is why gold/silver is a more desireable market to invest on. Also, there is the fact of knowledge. You gotta spend a lot of time learning about crypto before you can just indulge in it