But this isn't a beta test. People treat Bitcoin as if it's ready for primetime and ready to replace traditional currency.
Yes, of course it is Risk/Reward. That's why people get into new things. Ocean travel wasn't ready for primetime, but if you came back with a ship full of gold and spices...
Seems that fiat is doing much better than "occasionally buggy". They even usually catch the bank robbers, let me know when Team Bitcoin tracks down the SR2 thief!