This is a sort of 'threshold' effect. We are too lazy to take the very first step. But even the longest and most attractive journey has to start with a first step. Once that step is taken then the journey has its own logic and momentum. There is now a reason to take the next step and so on.
Cost can be a discouraging factor but very often it is a perceptual matter of balance.
Many people would be happy to spend forty dollars on a meal for two which would be over in a short time, but very reluctant to spend that amount on a book that would be around for ever. Many people might be willing to spend thousands of dollars on a course that could better equip them for life but reluctant to spend very much less on skill development that was not labelled as a 'course'. Lack of real need. There are many people who never learn to ski, to ride a bicycle, to roller blade or even to swim. They have never felt a 'real need' to do these things.