I think the thing that can make Cryptocurrencies users not afraid of investment is a clear policy, in my opinion without a clear policy will make users always worried and confused, especially the latest cases namely Luna, this can happen and repeat without being able to be controlled.
the thing that will make filter currency uses not to be afraid of investment is the understanding and the past knowledge of cryptocurrency falling and The rising, because is known that anyone who knows or who invested cryptocurrency before can not be afraid of cryptocurrency because it has experienced bad market of cryptocurrency so whatever that is happening now is just a repeatition of cryptocurrency market