> The only issue is being forced to come up with the initial funds to make the challenge, which isn't too hard to do.

That fully depends on the person. Suppose I mined Bitcoin in college when it was still rather young and amassed a ton of BTC, but then lost my wallet at some point.

Many years later, BTC is worth a great deal more than when I was mining. Perhaps my wallet is now valued at tens (or hundreds) of thousands of dollars. Depending on my life scenario, I may not have that amount in liquid assets to put toward making the challenge.