In addition to your points, it's just the sense of looking down on the abilities hive has gotten. For God's sake people now make a living working full-time on the internet. If you take hive as a hustle that truly rewards you, then you have no much excuse as to your inaction. It's like sitting back at home and not going to your place of work.
People still see working online as one difficult task to do. Yet, it so easy for them to navigate through social media viewing reels and status, and all other sort of things. They spend ample time doing these things. That same time and data you use to do those things is same thing that is required to engage yourself on hive which rewards you in turn.
But nah, they underrate the hive chain greatly even after been aware of the potentials and opportunities that hive has gotten for them.