Money, scam and fear contribute a lot as a major deterrant. Really People don't want to get started because some still think that crypto is a scam and so they want to avoid getting scammed due to various scam news around crypto each day, then while the people that has no fear to start investment or start learning don't have the money or capital to start with even for serious minded persons who are willing to set away fear and learn, money has become a very big challege thus can take people more years to start because some don't have that spare money or money which they can afford to lose.