financial issues, to be honest that was the thing that prevented me from investing in bitcoin from the start, and moreover i was a little hesitant to put my money in bitcoin because of its unstable price. but that was in the past and it is very natural for beginners to think like that, now i am more confident and believe more in the potential of bitcoin and plan to invest in the long term by seeing how its value has increased significantly since i knew about it.
Financial issues is also one of the things that affected so many people from investing on Bitcoin because I believe so many people then had already gotten the insight that Bitcoin will be a good investment but lack of finance made them not to make use of the opportunity and also cryptocurrency was still very new to most people and they were not sure how real it is so they began to hesitate, however Ponzi scheme also contributed in corrupting people's mind on Bitcoin investment then.
So perhaps like you said those things are in the past now so what matters now is to learn from the past mistakes and correct it now because in as much as people have missed those opportunities to acquire Bitcoin doesn't mean that there are no more opportunity to invest on Bitcoin, so for me I will always continue my investment on Bitcoin.