Feel free to share your opinion on how we can fix this.
Some of these challenges and obstacles to buying and holding on to bitcoins are challenges and obstacles that people just set up for themselves and use as excuses to why they have not yet invested in bitcoins. I am of the opinion that if someone really wants to do something, they will find a way to do it no matter the cost. People who really want to invest in bitcoins will ignore the government, plan themselves well to have extra money to invest in bitcoins, and they will also have a good strategy to buy.
This is a good answer, hodl doesn't entice them. They're other products like falling victim of "invest 1 to get 2" scam, that makes them happy. Barriers as these, can't stop a person interested in bitcoin from holding bitcoin. Low income earners have different priorities, not including bitcoin. Hodling bitcoin is not a bet, the small investor can't get higher rewards like the big investor. So, if the low income person finds out the little invested funds, won't yield enormous profits. I don't see any need, why they'll hodl bitcoin, if it won't skyrocket their earning capacity. Except hodling for fun. The big investor gets the most profit, that's why people are encouraged to invest with huge amount of funds. So, hodling bitcoin has little or no barriers, whatsoever. I'd say it's a personal decision. Different users, different reasoning and ideas. Yet it's obvious, a good percentage of ideas and thoughts of bitcoin is targeting huge opportunities. Only few participate genuinely and invest gradually. Hence, they omit these barriers. The high profit guys, seeking quick cash, worry about such barriers. After holding for months, with no positive results, they'll rush to ponzi scam. Despite not hesitating to quit bitcoin, they won't hesitate to blame it on bitcoin