Inesting.com - Cryptocurrencies may have shaken up the financial world, but the small investor has yet to embrace them.Just 8% of Americans actually own a cryptocurrency, while one in three of those who don't say owning one is too risky, according to a new survey by Finder.com. The personal finance website surveyed 2,000 people in the U,S., and found a number of reasons, including high risk, for the low rate of ownership. 27% said the coins are difficult to understand, 18% deemed them a scam and 16% considered them too expensive because they are in a price bubble. The study also found that age and gender influenced ownership. Men were twice as likely than women to own cryptocurrencies. The Millennial generation had the highest rate of ownership at 17%.