As a middle-class person, I don't have extra money but I set aside a few percent of my salary for an investment that I'm prepared if I lose it. You are the hundredth person I have met with the same case and I am just saying as long as you don't sell your bitcoins then you have nothing to lose.
Extra money is just something of the mind, even the so called rich people don't have extra money some where, all money are very important is just that there are some levels of tranquility we all can spend some changes and see it as nothing, a middle class person can overlook $0.5 but will be hard for poor person and same goes for rich person and middle class person.
One of the great properties of Bitcoin remain
unrealized loss, nothing gives peace of mind when you know that as long as you don't sell, you have nothing to lose but seems those who sell their bitcoin at loss or fair losses doesn't know bitcoin more than they actually think. Bitcoin remain one of the outstanding investment anyone would want to have in life because you have nothing to lose.