Spending spare money in house holding is quite a big bet. Sometimes loan and the interests really mix up and causing relatively high or low loss at certain points.

Like you said, people are reluctant to spend a few dollars in crypto anticipating they might lose em, but ready to lose the one -thirds in the housing plans.

I would say- its upto their choice.They prioritise one and leaves another.But dont notice that,where low risk profit is available.

That creates variety and diversity and we should accept that.