The fact that you don't have a steady source of income
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If a person doesn't have a steady source of income, of ANY sort of income, then I believe that Bitcoin should be the last in his list of things that he/she should do in his/her life.
¯\_(ツ)_/¯
Find a real job, take care of yourself, your health, and your personal needs. If you have responsibilities, like a wife and kids, then take care of that too before ANYTHING else.
This is just the point, and you have said it all sir, how can that person even think of holding safely without tempering with it when he have not even taken care of his or her own self or family needs?
Anyone that invest in such a situation will eventually sell off at some point because he is in what I normally call survival mode, he is practically eating hand to mouth, until he has a job
or a business paying his or her bills their is no point thinking of investing because that investment will be used to sorts out his bills once he lacks anything.
But for those business owners that have just started the business, and haven't reached ROI yet, you should merely concentrate on the business. Bitcoin will merely be a distraction. But if the business has reached ROI and has paid for the money loaned to start the business, THEN use some of the business' profit to save and HODL in Bitcoin.
Plus for those people who want to start a business merely because they "don't want to work for someone else", I believe you should think about it carefully before leaving your job. It's harder to start and boot-strap an actual business than working for someone else.