First op, you need to clarify which sets of persons you categorize as ordinary people. From my own understanding of what you meant, the ordinary people should be those who are just able to afford to invest in Bitcoin. Just as we know, Bitcoin investment is not restricted to anyone. But there are even more richer investors in Bitcoin and a lot of persons will say Bitcoin investment is much profitable for the rich. 0.1 for many of us here is a huge amount. But that won't be our satisfactory quantity. The idea is to accumulate as many Bitcoin as you can and while you still can.