My answers to the sample cases:

The owner of a company attempts to explain Bitcoin to the accountants. They are horrified as they have no idea how to do crypto taxes. So he buys some GBTC shares instead. His bank applies extra scrutiny to his company.

The widow is afraid that if she'll buy Bitcoin and it drops in value, she'll be buried. She passes, first on Bitcoin, then simply.

The investor says "why not?" and allocates 1% of his net worth to various crypto coins on his exchange. The idea to take them off the exchange never appears to him.