I'd think inertia keeps a lot of people staying with how they've always worked and what they know, and what all/almost all of their colleagues do; they've never

I'd think inertia keeps a lot of people staying with how they've always worked and what they know, and what all/almost all of their colleagues do; they've never even considered it, or even know it might be an option. And of course, it must be recognised that purely for financial reasons it's not going to work for everyone.