No, I know a lot of people who started at the bottom with little experience and expertise and are now millionaires because of cryptocurrency. So, in my opinion, financial stability is not a major determinant in becoming a millionaire because small investors may also hold their assets if they have the ability to do so. It's true that wealthy people don't mind if bitcoin prices fall because it's a long-term investment with a small amount of money at stake, but if small investors are also thinking about it, assuming that they've entered crypto for investment, then they should hold until it gives them huge gains and then diversify into other assets until they become millionaires.