1) General public has been demolished and demoralized. Everyone that is still hasn't realized altcoins are dead are about to.
Altcoins aren't dead, just taking a break like they've done many times in the past. If you think they're dead, you're missing a buying opportunity IMO.
4) OTC options like Bakkt are ready for boomers and computer illiterates which want exposure to Bitcoin but have no resources to keep their own
Bakkt is for the big-money players if I'm not mistaken, not for the populations you described. I'm fairly computer illiterate but you don't need an extensive technical understanding to own bitcoin, just like you can drive a car without being a mechanic. In fact, this 4th point you brought up perplexes me a bit. A trader who doesn't have "resources to keep their own" bitcoin probably won't be using Bakkt at all.
How much are you buying monthly?
Monthly? Not much. I'm more than happy to be just a bystander, watching the market swings without having a lot of bitcoin. But nor am I selling.
I do agree with the title of the thread, but I figured the re-accumulation phase was in effect when bitcoin was at or above $10k, so who knows.