This is a reasonable point of view, but somewhat naive. Tell me, how many people have you seen who not only think but also act for the future in 20 years? I think only a few.
Most people I know my age have a retirement account. They pay into it with every paycheck. They're planning for the future.
Unfortunately, the same people think BTC is like a get rich quick casino, to be flipped like a hot potato.
I'm sure this popular attitude will change in time as Bitcoin becomes entrenched in the financial system and acknowledged as a legitimate store of value asset. In the meantime, there's going to be a whole lot of tears after people sell their coins at these low prices and then watch the market go parabolic.
In my country, the situation with pension savings is approximately the same, but in fact the state forces people to make these savings (which already in a certain way speaks of people's responsibility). As for regrets and tears, yes, many will remember how in the past they spent their assets on nonsense and to some extent deprived themselves of the future.