They just don't have money at all and that's it.

We tend to say that we should buy if we've got money and that's always the reason why everyone don't buy. But we will never know on how many of them are going to do it when they've got the actual money.

Whilst for the others that you've mentioned of spending it. Honestly, Bitcoin should really be spent in any ways that we can to help with its ecosystem, the miners are there, we are the investors and we're not just investors but also the consumers or users that has to use it. But no one is forcing us to spend all that we've got.