If you say you'll never have 21 bitcoins, you're right...you never will.

Where's your confidence?

Don't get stuck in the past! Think about where we are today and how lucky you'll be in 5 or 10 years that you knew about bitcoin today. What can you save in a month? Take that money and buy bitcoin. Fractions every moth add up to a whole in surprisingly quick time. Just make it automatic and stop discouraging yourself!