There are many things most likely to consider whenever you're investing money in crypto..
These are:
1. Volatility of the Market.
2. They don't have the knowledge about crypto.
3. Negative news that they see or hear in social media/TV Media.
4. They were scammed and afraid to invest again.
5. Threats of hackers in the internet.
But users can also protect their computer from hackers by using:
1. Virtual Private Network for Internet Protocol
2. MetaMask Wallet
3. Not saving any private keys in your PC.
Almost all of your answered was all right and had a point, so the only tips I can give was I think because Fears , if they don't have this for sure even the person individually don't have enough knowledge about it, for sure the person will invest on it. Because, He/She doesn't care about the capital all what is important is the profit they could get from it.