Let me show you why wealthy men like changpeng Zhao(cz), Brian Armstrong, Jed mc Caleb etc can hold billions in Bitcoin without being afraid.
These mean you have mentioned are already wealthy. They are dollar wealthy and Bitcoin wealthy. If I were the one with such amount of wealth. I wouldn't mind buying some more Bitcoins every other day. If Newbies only have more monies that they cannot afford lose, they won't be afraid of invest it.
You or anyone can take the initiative, you don't have to have so much wealth as those men before investing. One thing I believe is that those men in their financial prime started small with risk taking to get to where they are and if they are investing so much millions into bitcoin then the risk is not something new to them for all they see is opportunity and that is what some of us are not seeing and that's why we are afraid to start with the small with can in investing in bitcoin.