as far as it concerns me i think a huge role that made me not have btc or eth is my age and fear. You see i knew about btc since i was in high school but i couldn't comprehend anything else behind it.

I talked with some friends they had no clue, i talked with my father he was against that because he couldn't understand it either. Note that btc was somewhere are 20$-50$ at that time. To add to that i had no money :P

Another scenario though that would be very realistic is what would happen if i bought some back then. I bet that when the price reached 100 or 200 backs i would sell the majority of my btc :P

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