Most of these people do not have the finances to trade so with the little capital they have in their trading account they tend to manage it and take high risks and that is why they are scared of trading most of the time.
Honestly, it is really scary to trade when someone is not financially okay because the little amount you may have might make you not want to take risks. Even if you have good knowledge of trading, the high risk involved can be daunting. Nobody wants to lose it all, but if someone is financially okay, taking some risks won't be too scary because they know that even if they lose, they still have more in their account. In fact, I would not even advise anyone who is not financially okay or does not have other sources of income to involve themselves in trading.
Experience in trading doesn't mean a trader will continuously be in profits
It is not every day that a trader will be at a profit. There are days they also loses, no matter how professional someone may be term trading. Trading is not that easy; it is something hard to make profits from. But with good knowledge, people are making some reasonable profit from it, despite it not being every day. In fact, it is not necessary for profits to come continuously, but it should always just be a reasonable amount of whenever the profit is coming. Nowadays, some traders make profits often, but it is usually a very small amount of profit.