I surely am not saying that either, since one of the main things that I tend to say is get the fuck started investing into BTC as soon as possible.. You can figure out your various details as you go, and yeah, surely some people get started and they hardly put any effort into learning about the thing that they are investing into and that is likely their problem, but even though people might be looking for easy fixes, I surely am not backing off of my suggestions regarding getting started ASAP...and hopefully the fact that you are investing into something (like bitcoin) will motivate you to learn about it and to figure out your cash management so that you do not get overly reckt.
You are very correct here. I respect and admire the fact that you are encouraging people to start investing in something you believe in like Bitcoin, and you have not just encouraged them but have told them to reality truth, which is the downside if there is no proper preparation. It is important to gain basic knowledge about Bitcoin, risk management, and investment strategies before starting a Bitcoin investment. What I can contribute to what you have said so far is that anyone starting (newbies) should start with a small amount they can manage while they continue to learn if they are in haste. This will allow them to gain experience and make informed decisions as their knowledge grows. Also, this can apply to the rich ones. Even if they have more than enough to start the knowledge is important if not, they will lose all their money in the investment.
It is very ironic that the newbies with no BTC are likely to have the most worries on every Bitcoin downturn.
FOMO is one big factor. Since they have not had any experience and everything people talk about Bitcoin just seems to be hypes and excitement around it. These things give them the feeling that it is not worth investing in it. Based on their previous experiences on other technologies they have tried, and it has failed. Once they hit their first investment by buying their first Bitcoin their mindset will gradually start to change.