knowledge barrier is one of the reason, most people afraid to try something that they dont know, especially if it involves money
can you blame this way of thinking though?!
in my opinion it is only rational to use something like bitcoin carefully. because first of all you should handle everything, your wallet-your money-your security-spending it,.... and on top of that the price is always moving you can have a lot of money one day and have nothing the next.
that is why i think most people are afraid or at least think twice before using bitcoin.