We need to understand that there are just people who are hesitant in using bitcoin. And yes,  I think the main reason is they are so afraid to lose their money. I believe that this people belongs to those bitcoin non-believers and they might think that bitcoin is a scam, because they have less knowledge about it since they used to manage their fund through the traditional fiat currency. Somehow,  we can make this people try to use and learned about Bitcoin by educating them gradually.