What is wrong with people exposing a small percentage of their investment capital to have a skin in the game, with a small investment into Crypto currencies? Nobody is holding a gun to people's head and forcing them to invest into Bitcoin, people are doing this by themselves.
I would much rather have some skin in the game, than simply standing on the side and looking at other people making large profits in the future, because I was too scared to invest a little bit of money into Crypto currencies.