If I were to add on your list OP, generally people associate bitcoin as a scam due to on how the media portrays cryptocurrencies. In addition, there are lots of ponzi schemes that offer ridiculous returns in a short amount of time which further impacts the image of bitcoin as a scam.

People who especially live in third-world countries are not that knowledgeable about bitcoin and they are easily influenced on hearsay about online investment. I remember that there were people talking about bitcoin as a form of a 'pyramid scheme' which is so out of line. I just do hope that the public would exert effort in order to know the potential of cryptocurrencies in the future of payments.