Trust me your gf would raid your wallet, bleed your bank account, and fill her wardrobe with LV, Chanel, etc
Bitcoin and alts are 80% off right now, why aren't you doing the same?!
There maybe lots of smart investors really getting at bitcoin and stacking up huge amount.
But for casuals, I believed they are somewhat reluctant because they don't want to take the risk at this point. While for those who got burned last year, maybe they're just waiting for the right time - at least a indication that recovery is on the way before putting their hard earn money again.