Exactly. I've probably told this before but at the time I learned about BTC, I was a student with no money to invest. And once I was at the point of being able to "afford to lose", we were already at "now or never" mid-2017 prices. I would be stupid to claim not wishing to have a bag of BTC on the side now (although I want the freedom of not having to work as opposed to Lambos and champagne ), but I sincerely can't regret not having taken such investment risks at a time when I could hardly put some spare money aside.