I do agree with some of your point, if I were to retire the first thing I am looking for is definitely a stability. It would therefore make much more sense to begin with a business or something that generates daily income, as it provides security. All that being said, investment in Bitcoin may not be a bad thing, but it is not the safest for a person who depends on cash flow that would be regular. Bitcoin can turn very volatile at any moment, but as I have retired I will have so much free time to learn more about Bitcoin, and learning new things is fun, moreover if we can get some income or profit doing it.
Investing in Bitcoin is before retirement, in old age (retirement) of course we don't need investment anymore but we only need to enjoy what we have built so far.
Doing business is of course very important for financial stability, this cannot be expected in investing in Bitcoin because the movement is quite fluctuating, making it not guaranteeing daily profits so this cannot be used as the main source of income to support daily financial stability for individuals.
So invest in Bitcoin early, for your old age, I am very sure it will be very profitable.
Hitting the nail there. Investing in BTC can't be the main source of your income when you retire, as well as memes or alts. Better yet, do it while you can have stability in your income, and then reap the boons from it.