Actually we don't really need a lot of money to then buy Bitcoin if our finances don't support it, everything starts small, I mean someone just needs to be consistent in buying Bitcoin even though the purchase nominal is small but better than not, what they have to do is continue to consistently buy Bitcoin at least once a week and lo and behold, in the next few years they will feel a significant advantage from the results of their hard work in setting aside money for Bitcoin.
You are right; that's the reason why some people cease to invest in Bitcoin and land themselves in a hot soup of shitcoins, but still end up regretting their decision when they can't get any profit. Some people usually have the mindset that Bitcoin is too expensive to buy a whole, but I still try to convince anyone I come across with such a mindset, telling them that they don't need to buy a whole of Bitcoin at once, nor do they need to save for many years before they can buy one Bitcoin at once. If one is still consistent in their accumulation, either weekly or even monthly, depending on how often they are getting the cash inflow, then they might still be able to accumulate a huge fraction of Bitcoin before they realise it.