In my understanding, it doesn't necessarily mean that someone must have a good knowledge of bitcoin before he or she can start accumulating it. What matters in the bitcoin accumulation journey is for someone to understand that bitcoin is a long-term investment, like 4-5 years before he or she should start accumulating bitcoin, so that he or she will know the kind of investment he or she is starting up and will not expect any profit in the short term. Also, use the money he or she can afford to lose to invest in bitcoin, and understand that bitcoin is volatile, so any drop in its price will not make him or her sell it, even when he or she is at a loss.
You like to say "yes" but on the other hand you also say "no", however a beginner investor must first understand what bitcoin is and understand at least about basic things related to investment because it is their understanding that will sustain the investment journey they are doing, because if they don't understand at all about what investment is then obviously it is likely that they will experience many losses because their journey is not based on knowledge and understanding, I understand that not all beginners have a lot of understanding about investing because it will only be formed when they already have high flying hours in the process but what I mean is that at least you must have an understanding of the basics that will certainly tell you about what you can and cannot do during the accumulation journey that you have planned.
For other things, yes I agree with you that bitcoin is more recommended to be made as a long-term investment which is indirectly an intermediary that has the potential to bring you to a fairly lucrative financial level in the future, and also for budget issues, of course it is highly recommended to allocate a budget amount that you are able to account for because of the possibility of risks that cannot always be avoided considering market movements that have a fluctuating nature and besides that try that it is a budget amount that will not be used for anything else, so simply put you have to separate between money for living needs, money for emergency funds and money for allocation on accumulation on bitcoin, because not a few also some investors who end up experiencing delays in the allocation for the accumulation of bitcoin when they experience some unexpected situations that make them need money urgently until in the end they are forced to sell some of their bitcoin, and this is the importance of thinking about and having an emergency fund as a precaution before you really start accumulating bitcoin.