However, Bitcoin newbie can't buy a whole Bitcoin just when they want to start, even if they do it is not going to be at one time but multiple times (×10 ×20), it might even take some of them UpTo 8 months, 1 Year or more.
For instance, many people from my region can't buy a whole Bitcoin (1 BTC) just in one time, it is not because they done have the money to buy it but because they are new to it and some of them can't just believe BTC to the extent of using about 41 million naira to buy Bitcoin when they are not well educated.
You don't seem to be saying anything different than me in terms the unlikelihood that someone would buy a whole BTC at once, and even an aggressive DCA strategy in the ballpark of $100 per week is going to take 6 years just to invest up to $31k, so it may well not even be fast enough to get 1 BTC in 10 years at that $100 per week level of DCA...
But yeah there are some people who can be more aggressive than that.. but usually not regular folks.
Although basically every individual has freedom in terms of Bitcoin accumulation and it does not rule out the possibility for them to do an aggressive way like you said with such an amount, but in my opinion it is not a good accumulation if they do a way that can suppress (force) them in terms of their finances, even though their goal is quite good to master 1 Bitcoin, but honestly I would not really recommend this method to anyone unless indeed if you are one of the conglomerates who have an income far above average and with a DCA of $100 a week is not at all burdensome and does not interfere with your basic needs then go ahead. But in my opinion on the other hand this is still not a good alternative, because obviously if we look in terms of time then it will still take a lot of time for you to achieve success to reach 1 Bitcoin, and also on the other hand time will continue to run, meaning that as long as you do this method it is very likely that there will be changes in the price of Bitcoin, if bearish dominates when you do this method until completion then it is a little profitable, But if Bitcoin is rising due to factors such as halving, it is likely that the amount of money you have to allocate will increase and with that means that in terms of time it will also definitely be longer if you put a flat amount ($100) on each DCA you do.
Level of financial wealth is one thing and level of education is another, and they are not always correlated, so there could be ways that someone is not very well educated and has a lot of wealth or someone without a lot of wealthy who is well educated, and so if we are talking about the topic of bitcoin then the kind of education that is needed might be about personal financial management which can be gotten through experience rather than formal education, but sometimes formal education does help people to be able to learn how to learn because if someone is lacking in structure or learning how to learn, they might not have good ways of structuring their learning or even building good habits around what to learn and then how to reinforce it or to put the learnings to practice in order to potentially experience more learnings by putting the learnings into practice.
That makes sense, talking about someone who has wealth but does not have a higher education with someone who is highly educated but does not have wealth in terms of finance honestly this is quite confusing for me between having to choose which one is right and which is more appropriate to enter the Bitcoin accumulation according to the basic things that everyone should have in general when wanting to get involved in Bitcoin investment, but maybe we can see first from what type of education they undergo in their education, If their education is quite tied to what is needed by bitcoin accumulation as you say in terms of personal financial management then obviously they have the advantage of having insight into how to manage money, because indirectly it will make it easier for them in terms of their accumulation along with making it easier for them in terms of taking the best steps for budget problems that will be allocated to bitcoin with the circumstances and financial conditions they are experiencing.
So honestly I will not say that wealth is not important because obviously with you having enough financial strength you will also have a good chance in terms of accumulation, and also on the other hand I also will not say that education is useless, because obviously insight and knowledge, especially in terms of financial management, are very much needed to facilitate your involvement in bitcoin. So let's just find a middle point, for the problem of someone who has a higher education but maybe that education is not related to the financial field then I think it can still be utilized, I mean someone who is highly educated at least they must know how to learn well as you said, indirectly they have a broad enough insight in terms of learning, and with that in my opinion they will still be quite easy to learn the financial field along with how to learn well and properly, very different from people who are not educated, maybe they will not really know how to learn well in learning something they need. So the bottom line is honestly I quite agree with your assumption @jay that indeed those who are highly educated even though they may not be lucky enough to not have good finances but they have good/great potential in the matter of learning something especially financial management which will make it easier for them in terms of accumulation.