"the price of bitcoin is too high now for an individual to invest into it". What's funny is that, that's what people have always been saying since the start!
First people thought that $1000 was too high.. then $3000.. then $5000.. and now $10,000.. Do you want to make the same regrets after the next price milestone? I'm not saying that you should definitely buy at this pricepoint, but think about it.