I prefer a cautious approach to my investments and yes, the 'locked-in' part of the whole staking process just puts me off entirely.
I can understand this point of view because paycoin is so new... but certificate of deposits are nothing new, and are generally considered to be some of the most conservative/cautious investments you can make. And that is pretty much what a hashstaker is... it's a CD A high-yield CD... but nonetheless... a CD.