Exactly. When you look at it from that stand point, you see that the party for Bitcoin to hit 100k is only favorable to those who have been accumulating over time, as it would be, in a view, somewhat disadvantageous to those just starting up. When Bitcoin hits 100k, even the dips will still be high priced.
Whatever preparation you decide to take to curb that situation is a YOU thing. There isn't any strategy that is generalistic to a prime.
And yes, I agree with you that long term holders have no business timing and monitoring the markets because ar the long run, those small changes, price fluctuations, don't really matter.
How do you assess the losses for those who have just started when the Bitcoin price reaches $100K later? Even though those who are just starting out still haven't experienced anything through Bitcoin, except that after buying it there can immediately be a big price drop in Bitcoin. Those who are late in starting and are still thinking longer in doing it but on the one hand they also already know the price of Bitcoin beforehand, of course the ones to blame are themselves.
Bitcoin is $33k away from hitting $100k in which case you're calling it a loss on investment? If you want to be complacent when it comes to bitcoin investing, you should make long-term decisions. Chances of immediate profits are low for new investors, but accumulating bitcoins with a long-term plan is a great opportunity. In this case, experts recommend depositing bitcoins with DCA - because your investment is protected when bitcoin prices rise or fall. We can speculate about the price of bitcoin but there is no way to know the price in advance. So be careful about your investment protection and start DCA. The bull run is knocking at your door and will soon touch $100k.