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Well spoken because as an investor having the boundaries concerning there discretionary income is very important since is mostly the money they can put in for 5 to 10 years so is very important for someone to focus on that instead of putting more than they can afford, though is very unfortunate that most people do not understand what the discretionary income is all about because most people have so much expectations from there discretionary income with the believe that it will yield them a huge profit within a short term, though I'm not saying that people should not expect profits but like you said it should be something that the investor should perceive on two dimensions either it turn out profiting them at the end or not because that alone will certainly build the persons mindset to accept any outcome without being too much emotional.
Investors can be very aggressive within their disposable/discretionary income, even using 100% of it to invest into bitcoin, yet some of the problems would come from potentially calculating their disposable income incorrectly including keeping in mind that they are not going to access that money for 4-10 years or longer and maybe even they might never get access to that money if their bitcoin investment might go to zero.
So frequently no one is going to be so crazy as to invest 100% of their disposable/discretionary income, and if they do they better have decent back up funds (or other ways to earn or get money) in case they make some mistakes in their calculations of their disposable/discretionary income.
Being aggressive on there disposable/discretionary income is just the problem some of the investors are always having, i don't no if those set of investors should be classified as the greedy kinds of investors because there is no any other way or reason to justify why they could aggressively invest 100% of there disposable/discretionary income on Bitcoin after knowing fully well that is an investment that shouldn't be touch for a certain number of years, so actually I just feel that the reason why some investors are having misconception or lack of understanding about there disposable/discretionary income is there individual psychology because sometimes in life most people believe the fastest way to arrive on there destination is being speedy undermining if there would be any challenges on the way, while some of the investors who understand the concept of disposable/discretionary income will follow the due process because they have already have it on there mind that if they go above there discretionary income it will certainly be a setback for them.