It seems that you are getting DCA mixed up with other kinds of investing (such as lump sum investing), because DCA overcomes each of those items in your list because once you get started, then DCA makes it easy to overcome each of the items, because all you need to do is pick an amount.. $100 per week set it and forget it..... and if you think that $100 per week would cramp your lifestyle too much, a different amount could be chosen.
We can determine the amount that can be allocated for DCA needs based on weekly or monthly income, at least an investment allocation of $30-50 can be reached by all economic classes for the lowest amount to realize the DCA strategy per week. We must consistently carry out the DCA strategy until we reach the planned investment target, if we set a target of investing $2.6k in bitcoin every year, so the calculation is that every week we have to invest $50 for 52 weeks.
.. and then just let the investment strategy ride for several years, and sure maybe after a few years, there might be some needs to look at how the investment is doing and then to reassess whether further actions might be needed, and if the amount is starting to add up to a lot, then having stake in the game may well motivate further activism in regards to the investment.
We need at least 2 years to more optimally assess the progress of investment performance, because the DCA strategy is different from instant investments of large amounts, I think DCA investments are like savings for the long term and DCA investment options are very appropriate for converting to bitcoin, even though the market movement category is the highest but Bitcoin price can reach ATH every time after the halving period or more or less within 5 years, I quoted in another thread which stated that who would have thought that we could buy an iPhone 15 with just 0.03 BTC, imagine if you implemented DCA since 2015 then the investment performance progress would be very profitable.