For someone to be afraid of investing in Bitcoin, that person has little or no knowledge about Bitcoin and how it works, because Bitcoin has proven overtime that it can be very reliable especially when being held for a very long period of time, so if he or she is talking about risk, risk is normal when talking about investment of any kind, so Bitcoin investment is not an exemption for that, it's only person that doesn't really have the will to invest that will be using risk as an excuse not to invest.
Risk is almost everywhere. In normal investments, in holding assets and even in the banks, the risk exists there as well. But for those people that cannot take risks, they're not ready for massive gains that they're going to get with Bitcoin. They need to study why we're like this about it in here and proving the point of holding and telling them to do the same as us. And it's true that someone's decision and will to buy it will determine on what kind of risk taker they are. If they're not up for it, they should accept it once it moves up and they are not able to buy it.