This has been an interesting thread and we can certainly see common reasons of factors that stop people. Fear of course is major and fear of losing family, particularly wife and kids are very high. Jobs and religion are close as well.
I think it would be useful for posters to state what country they are in and whether there are sex discrimination laws are in force in the areas (States, regions, work places) they are in.
To clarify, many members have the assumption that we are all from the USA, a very common assumption for people from the USA about virtually everything

. But fortunately incorrect, this Site is truly global and we have the opportunities to see how laws operate to protect or fail to protect people in different countries.
This will be valuable in helping people decide what information they should pass to their politicians to create good law for people.
And I would suggest that this is useful because laws can change how we live and operate in society - no matter what personal opinions are held by people we interact with.
I am well known here so I will not re-iterate my position. But for those who do not know. I am a very high profile professional in South Australia in the Health system. As people may recall I did not transition as I was terrified of the ridicule and of losing my job. AND, if not losing my job, being unable to function in my job due to people side-lining, ignoring me, manipulating budgets etc etc.
In my job I have to relate to and manage aggressive, assertive senior management level people, all of whom are ambitious and capable.
In the end I had a choice, be me or die. Simple. Death may not have been defined as the end of physical life, but as the end of being able to function. I was too unhappy.
I transitioned, on the job, straight out. Not quite but pretty damn close. "Hi. I'm having a sex change, if anyone has a problem I'm happy to talk about it. If you can accept me, great! if you can't? it's not my problem, you can deal with it.
Yes South Australia has excellent sex discrimination laws. Not a single person has said anything negative to me. Not a single decision that can I find has been influenced by my gender. Not a single committee that I sit on has even blinked when I enter and join, not a single one-on-one talk has been awkward. No man and no woman who I work with has displayed any outward appearance of discomfort with dealing with me.
In fact my happiness and my assertiveness as the woman I am, has progressed my career. The opposite of what I was so fearful of.
So our perception of fear can be very wrong; and people can be effectively protected by sensible law.
Cindy