if it is about bitcoin then i think those people that has this mindset are those people that does not totally understand Bitcoin because realizing that fact is indeed can be found in historical movement of this coin.
Well, maybe they need to learn and understand bitcoin which can give them that opportunity. If they still don't understand it, we just let them be and hope they can one day change and realize it.
extra money is what need to be invested specially if we are a small investors that only seeking for betterment of our money.
I think we just need to reset the expenses that we have per month and from there, we can see how much money we still have and we can start investing in bitcoin. Besides, I think it's okay if we start investing using small money because we are ordinary people with no money. What is important here is the attitude that we have who want to have a bitcoin investment.