Yes, you are right on these. But the other reasons that make it hard for people to sell crypto is because of lack of experience, misconception and also the series of what if's: What if the time she/he decide to sell was the wrong timing and it is the best time to just hodl.
 And emotions plays a big role when trading. People should practice to think an decide rationally than emotionally. Some people who are into their emotions sell their cryptos when they get scared of the fluctuations but if they think rationally they can think of the best options and be patient other than selling. And to overcome your emotions you must consult with other traders who already has a LOT of experience or think a strategy to overcome it.