There is nothing absolutely tempting about it but rather i think there are situations that would lead to people not having any personal savings or holdings and moatbtimes you don't have to blame them for it.
Every bitcoin  believer would want to own bitcoin at every cost but most times there are situations that might money that they can't afford to ignore especially  with regards to health as there is always a saying that your health is your wealth and most times it is always difficult  for someone who's not struggling  with health to understand the topic with health.
But nevertheless, I think everyone wants to own a fraction of bitcoin if given the opportunity to hold.