It ridiculous to see how people don't want to spend $100 to keep $100.000 safe... But it is indeed a very, very, very common excuse i've read many, many times from many, many people....
It has always been strange to me, especially considering that these same people are willing to pay much higher amounts when it comes to other devices such as smartphones, laptops or, say, the increasingly popular electric scooters that cost an average of around EUR 300. Someone might say that the biggest problem is that there are free solutions (desktop&mobile wallets), and I agree that people won't invest even $50 if they can get something for free - but ignorance also plays a big role here, because they don't understand the basic differences and potential risks arising from free solutions.
I made a decision a long time ago, I will not help anyone to invest in crypto if that person does not understand some basic things before, and if they will keep their coins online or in a mobile/desktop wallet on devices they use every day for various activities. Then it's just a question of when something bad will happen, and then it's usually someone else's fault that it happened.