it happened because they didn't want to try to buy Bitcoin...
the first time I was afraid to buy Bitcoin for fear of loss and doubt overtook me, but over time I learned that Bitcoin is a trusted asset that could not harm me. many people have never been educated about what Bitcoin is, I think education is the most important thing.
Don't be so critical. Most of the people that doesn't want to invest in BTC doesn't feel afraid of it, they either don't have enough money for that or don't want to know nothing about Bitcoin at all because they strictly believe in fiat money. Despite the fact that Bitcoin by itself can't harm you there are a lot of hackers and scam that can harm you so it's better always to be alert.