I am certainly agreeing with the fact that no one should jump into crypto trading very soon after they entered into the crypto trading which might intriguing for someone who see the potential in profit making but with lack of knowledge they are going to be anywhere other than in a loss.

If someone wants to become a trader then they should acquire enough knowledge about it and then start with as small as possible for example 10% as capital of their total crypto portfolio value which will give enough room for them to learn further and if it ends bad then their 90% will be there which is not big loss in the crypto investment to be honest.

Accumulating bitcoin over the time as you said with 10 or 20% of your monthly income is one of the long term safe strategy but not everyone is going to have such patience to play the long hand.