I think it is the trust that makes people hesitant to buy or hodl Bitcoin.  Although these people are informed about the Bitcoin economy and market, these people can't just put their trust in a decentralized network where there is no one to blame or go after when something wrong happens.  Aside from that, the lack of funds is also one of the major reasons why people can't buy and hold Bitcoin. Even if these people wanted to buy BTC and hold it, the lack of money to support the investment venture restricts them from doing so.