"The average person" is a pretty meaningless term. A lot of people will never have access to $4000 worth of savings that they can put into BTC all at once.
Yeah except it's not easy to buy unless you create a coinbase account. I'm talking about the average person who isn't a computer engineer or nerd. They're not buying bitcoin for a long time, if at all.
It's not too late to buy, but I think OP might be getting a little too excited. No need to rush. I can hear the roar of FOMO, and it's deafening.