Investing should never be mandatory and should only be done with funds you can afford to lose. Especially for highly volatile and risky assets like cryptocurrencies. So I don't think it's a good idea to focus on a monthly plan if the amounts invested are substantial. People doing that should do it as a game of chance, without specific goals. If they win, they must be happy, but if they lose, it shouldn't affect them, they shouldn't have to care about it.
It is not mandatory. However, many people, even those who are not capable, try to invest their little money with the hope of having a better life for their family. Then, if their investment fails, they will be disappointed and lose confidence in investing. This can lead to a negative impact on their future investment decisions.
It's part of life; in fact, it's better to take risks in an investment or business than to do nothing. At least you have the chance to change everything in your life, but when the bad part happens, it's up to you to decide how you will cope. Will you just be disappointed and sulk forever? Life is a continuous challenge; don't expect that investing in or starting a business will guarantee you a better life. So instead of being disappointed, learn from that experience so the next time you engage in an investment, you know what to do and not do. I get it; it's hurtful and very devastating if you lose money, especially if that is your last money or hard-earned money, but what can we do? We can only move forward and try again. Because if not, then you are wasting your time just to feel disappointed and sulking.