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I don't disagree with any of your points, yet the large and the small investors are dealing with the same factors, and the large investor likely has more disposable income, more abilities to draw from other assets and more abilities to use debt and other financial instruments to his advantage. The larger investor also may not even need an emergency fund because he can draw from other assets that are de facto serving as an emergency fund, even if he might not have had designated them in such a way.
The poor investor has to likely be smarter and more resourceful to get ahead and to make progress and to take time to get his capital, assets, disposable income and even his credit worthiness up to higher levels, but the poor investor is not at any inherent disadvantage so long as he minds his position size in order to not go above his discretionary income and the projection of his discretionary income in terms of also having an emergency fund.
So perhaps a diligent poor investor can catch up to a sloppy rich investor because the rich investor might not be as motivated and may well take his richness for granted, and the poor investor might be struggling at every turn to make gains, to use his resources wisely and to not unduly put his resources at risk.
Yeah, a lot of poor investors devolve into gambling and risk taking because they may well believe that they either have to catch up to the rich investor or they believe that they can employ the same kinds of proportionalities as the rich investor, when the poor investor should be tailoring his investment style to his own situation, even if it could take him 5, 10 or 20 years to catch up to the rich investor, and the poor investor may well never catch up to the smart rich investor, but he will have good chances of catching up to the sloppy, the reckless and the negligent rich investor... but the poor investor still should be keeping in mind that he is not competing against the rich investor, but instead should be putting systems into place that might even take 5, 10 or 20 years before they really show substantial and/or meaningful progress and payouts.. and sometimes the poor investor might not have enough time in life to be able to really grow and compound his wealth.. there is some luck and even some life circumstances that may well contribute towards even more obstacles.. so each person should be working within his own framework to figure out what is amongst the better of paths for him to employ.
I like the way that you have differentiate investors who are committed to achieving their bitcoin target using the poor and the rich as an example. It is true that bitcoin investment has given opportunity to the committed poor man that is doing everything possible to be consistent with his regular DCA accumulation to be able to get to 75% portfolio of a committed and consistent rich guy who has the money down for him to invest without struggling to make preparations for the necessary funds to survive his long term bitcoin goal. I wouldn't say that the poor man in this shoes buying regularly is somehow competing with the rich guy because they might be in different location but both of them have the same goal and decided to invest in bitcoin to achieve a target. What I see is that the poor investor believes in sacrificing for the future to turn his life around rather than eating the little that he can invest.
However, it is clear that a rich investor who is not that serious to invest aggressively but invest some amount without being consistent will likely be behind the poor committed investor because his bitcoin portfolio size will not be up to the the poor investor in 20yrs time like you stated and before you know it due to the compound profit in the poor investor bitcoin, he might even get almost as rich as the inconsistent rich investor. This is the power that the longer your bitcoin investment and portfolio size is the better opportunity of you have to be successful.