I also regret I didn't buy couple coins when I've just joined to bitcoin. That was last year ant the price was around 350-400$ per 1 BTC. But I think to make 21 bitcoins is not so big deal. I have heard that there is a company that pays year bonuses to it's workers in bitcoins and there are many options to make bitcoins basically. But at the same time everything in the economy should circle to stay fresh and high. If a million people will decide to start to save bitcoins till 21 point to be one in a million - it's gonna be collapse, for bitcoin for sure.