One big reason, yes - one mistake and you lose your money. Statistically almost guaranteed for an account with regular usage! Look at the statistics. These ar

One big reason, yes - one mistake and you lose your money. Statistically almost guaranteed for an account with regular usage! Look at the statistics. These are non-ergodicic probabilities; you don’t get to “play again” when they affect you. Losing your money in cryptocurrency PKI systems is closer to “Russian Roulette” than a “roll 1, you lose your bet” dice game. Screw up just once and it’s all gone. So yes, the algorithms are a big part of why normals don’t use crypto — and rightly so.