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.
Almost everyone knows the potential in holding Bitcoin but getting spare money to buy may seems difficult. Most people keep waiting till they get huge money to buy but this huge money may not easily come once. They do forget they can keep buying using DCA and with time they can hold a reasonable amount.