How come it becomes a lottery, I didn't saw a logic there.
But I tend to agree with you, that's a good saving process. It seems good if you invest 5% of your monthly income into Bitcoin no matter what the price is. We know Bitcoin is very volatile and as I noticed, the best to buy Bitcoin is on weekends because the fees also dropped at that time.
You must first understand very well how Bitcoiin will work, the volatile nature should must you understand. In that way, you might didn't turn into a panic seller when you will hear a FUD.
You won't lose your home or have to move back into your parents' house
Should always pay attention to what you can afford to lose.