I feel like I explained it above. People often want things because they don't have all the information and people who are uninformed, especially when they're intentionally uninformed, make poor decisions.

And maybe there are some people who, faced with the risk of losing all their stuff, conclude that maybe all their stuff isn't that important to them and they don't have time for this YOLO! But there are even more people who never even consider the risk, and it seems like somebody should be looking out for them instead of people just saying "shut up nerd, normal people don't care about whatever you're worried about." Uh yeah, that's the problem, they're not made aware of it until it bites them on the ass and anybody who tries to express the concern on their behalf is told to keep their foot away from the hose of the money vacuum.