Well, here is the big problem of Bitcoin from my view, 90% of all Bitcoins are owned by just 1% of the wallets created, this mean that if people buy today they are just doing the rich richer, i know that here we have some of the Bitcoin holders since 2013 but that doesn't change the real problem, Bitcoin is a millonaries game right now, retail investors can't do a shit about that.
Sure, there's a lot of big players these days but retail had a headstart of more than 10 years. And there were a lot of wake up calls along the way (ie. the bull runs of 2013 and 2017) so it's not like Bitcoin was much of a secret.
Truth be told, compared to stocks, real estate and, well, fiat currencies in general -- as pointed out by BlackHatCoiner --, retail
still has a headstart. Question being whether they make use of it or continue complaining.