That "It's too late" attitude already being in someone's head means it's already too late. It doesn't really matter what the valuation of it is, you can still invest little by little and it will accumulate over time. Bitcoin will come down again, and more than likely not just once and this will be the time for an "average" person to buy. As long as bitcoin is profitable and continues an upward trend then there is no reason not to invest some money and time into it regardless of what the price point is. Buy low sell high