Yes, there are many people who aren’t motivated to invest in bitcoin despite having money, and lack of understanding is one thing here. Although there are some other factors too that might affect them, such as;
• level of risk tolerance, most of them see Bitcoin investment as something they can’t keep up with due to its high volatility, they panic quickly when there’s a price drop and as such want to avoid such kind of investment not knowing that it’s an opportunity to accumulate more bitcoin
We Should know that there is no investment that is risk Free even if you're into real estate Business or selling of land, this businesses/ investments is not risk free and I think the risk in bitcoin investment is even low compared to the risk that is involved in this above mentioned business, but everyone is entitled to go for the one they think is risk Free. Those that panick during the dip are not just Investors but traders because a real investor sees it as a big opportunity to front long thier investment while traders will be tempted to sell thier bitcoin during this process.