If people are not used to investing, by fault they might become a bit overly aggressive in terms of considering that some or all of their bitcoin could serve as a kind of emergency fund in the event that mistakes are made, yet surely that is not a very good way to invest into something as volatile as bitcoin.. so if the thoughts are that none of the funds that are invested into bitcoin can be touched for 4-10 years or longer, then that kind of a mental framework might be helpful in terms of investing a bit less into bitcoin while building the various other systems of emergency funds, reserves and float, and surely once those are decently in place and have been practiced for a while, there may well end up being abilities to become more aggressive with the disposable income that is then coming in, than would have otherwise been possible without having those various systems in place and without having some periods of practicing your systems and getting good feels for where the boundaries are.
this definitely is the kind of thought process that every Bitcoin holder should have in creating a balance between how aggressive he intends going with his accumilation and how well he is putting in effort to ensure that other systems of emergency funds and sources of his funds are all In place.
long termed investment goals that involves building a strong Bitcoin stack for a period of 4 to 10 years are better off started with a simple and realistic amount while setting up other aspect of our funds generating sectors that will in turn aid us in increasing the amount that's going into our Bitcoin DCA. Being aggressive is good and will surely propel us to meeting our accumilation goal as fast as possible but if done at the wrong time, it's going to play a detrimental role in our accumulation journey and might in the process endanger our holding or possibly put us in a position were we might have to pause our dca routine or reduce on how aggressive we're with our stacking because other aspect of our funds generating systems aren't in check.
I totally agree with you and I feel that this kind of mental framework is going to work well for a majority of us here if we accumulate our BTC at our own pace while ensuring that other aspect that's generating funds for our emergency situation, daily up-keep and allocation for our disposable income is properly structured and taken care of.