I personally think no. Anyone can buy and forget it just varies with the amount. Of course, the riches will surely have bigger holdings and won't have any problem on where they will get the money tomorrow to continue living. It all comes down to discipline and budget planning. Me personally I don't earn that big anymore but I still able to hold some BTC, ETH, and some top coins right now without the problem of thinking about how can I sustain my daily needs tomorrow. Allocate budget smartly on things you are spending, invest what you can afford to lose, cryptocurrency is a high-risk high reward type of investment you can earn more than 100x of your money in the long run and it doesn't matter how big or small your holding is.