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.
I do not know your age so I can't really say anything about that, but I know people who are 30 years old or younger in my generation can barely live. We have learned long time ago that the money you make from your regular job is money so you do not die.
Paychecks are for regular stuff like bills and food and that sort of thing, if you ever want to have money you have to chase all those potentials in life, maybe it is crypto, maybe it is uber, maybe it is something else that would make you money, or maybe it is starting a new digital side gig, who knows?
If you ever want to have a decent life that you would be happy with you have to end up finding something that will make you rich and get lucky, countless others do not have that chance and all end up living a boring life and die that's it. So long story short having a retirement account is a luxury for people who are under 30, or at least that is like that for me and people I know.