While buying at a lower price can be tempting, it's important to be cautious and not rush into decisions.investing involves risk, and prices can be volatile.
I don't really know what is tempting when buying bitcoin at a lower price. Seeing bitcoin a lower price is a rare opportunity which hardly comes. So whenever you see it and you have funds available seize the opportunity and accumulate as much as you can. That's why it is always advisable to divide your investment funds into three parts, one for buying the dip, one for DCA and one for lump sum buy. So when bitcoin price is lower you use the part set aside for buying the dip and buy. This will make you to stay focused and organized.
This can be possible if you have money when Bitcoin is low, you have a point but we don't know when Bitcoin price will low and when it's low if you don't have money to buy it you just let go as it's not good to loan money because you want to buy Bitcoin at low price.
It's also tells that you must have money to buy Bitcoin if you want to invest. When bitcoin is high you have to save money and wait for it to low then you buy, Bitcoin can high any moment and low any moment that's what makes it risky, so have in mind to lose and not to gain.