Buying cryptocurrencies using fiat like USD is one of the top deterrents as most fiat-crypto exchanges charge a premium or high fees on entry and exit.
source https://www.google.com/url?rct=j&sa=t&url=https://eng.ambcrypto.com/tether-bitcoin-and-how-to-revive-the-passe-60-40-investment-rule/&ct=ga&cd=CAIyGjBkZWE0Yjc3NzNlM2I2MDQ6Y29tOmVuOlVT&usg=AFQjCNFAIdlPUZW2i2IcV5OuIbRyVLVaeQ
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