There are several things that must be considered before we invest in something, including Bitcoin.
1. Invest when you really can and are willing to invest, not to force it, let alone make it difficult for yourself because of investment, especially this is risky.
You're right and from the advices I have seen on the forum, it looks like if you're not investing you're doing something wrong meanwhile people don't realized that not everyone has equal financial power. We have people that if they invest what they have they won't have anything left.
It's not a must to invest in Bitcoin and it isn't a must to invest now. If you're not ready to invest then don't do it because if you allow yourself to get pressured into investing, while others are okay when the market is dumping, you won't be at peace because you can afford to lose.
Bitcoin investment is risky because when you don't have the patience to hold for as long as it takes for you to become profitable, you'll lose your capital when you sell and that can lead you into having doubts about future investment to trap you at the position you're financial forever.