I am not exactly hard on them, since I drive like a grandma with feathers for feet. — Lol ! You are not the only one in this boat.
I reckon this is a psychological bias, where we favor "what we see" over what we don't, and as a result, take what is not in our constant awareness, for granted. — would we consider this as an opportunity cost or scale of preference? 🤔
Most people are regimented and accustomed to the usual traditional fiat banking system that they see crypto as a huge wide risk to put or invest there money in .
For me where the rubber meets the road is when one is able to adequately distinguish what one’s basics needs are from the lingering and audacious wants one desires.