90% in an extremely risky assets? You are a true believer!

I would add society to your list. For example, in USA more than half of population at least tried to invest money somewhere - stocks, crypto, bonds. In a place where I live, the situation is different. Only 1.5% of population have account on the biggest stock exchange of our country. Less than 10% of population are investing. It is way easier to make a decision to invest when this is common practice in society you live in.