I wouldn't say that those you are referring to as lazing around are doing so because they are afraid to invest but rather it could be that they lack knowledge about Bitcoin and that of good investment plans or approach, I don't consider Bitcoin as risky as lot of people talk about it since investing in Bitcoin doesn't limit us from enjoying ourselves and taking care of important needs, Bitcoin will keep surprising those that are very skeptical about it and making more ATH, there is nothing to be afraid of when we prioritize investing from our discretionary income, we can only prepare for what will happen at the top from the down.