bitcoin investment is very risky and so also trading, just because you started your investment with a huge amount of money doesn't mean that "the higher the capital the higher the return", you may loss your fund with blink of an eye, the possibility of earning profit that you have at the back of your mind, put at the back of it that there is also a possibility of loosing your money too, that is why it is often said that you should trade with what you can a to lose. Don't be so eager/impatient to make huge profits because it may land you in regret.
Who Said Bitcoin Investing Is Too Risky? Bitcoin investment is not risky, there will be volatility in crypto so you have to accept this before investing. If someone had properly looked at how the price of Bitcoin started and how high it has reached before saying these words, they would probably never say that investing in Bitcoin is risky. There is a difference between investing and trading, investing and trading are never the same because trading is short-term with the highest chance of losing money. Investments on the other hand are long term so by holding patiently for a long time you can sell it after reaching your target price.
In answer to your mentioned statement I would like to say that you should adopt DCA for investment because investing in this method will not require you to have a large amount of money. As a result, you will not have to worry about losing money. Regardless of your income-expenditure, you can invest whatever amount of money you have, i.e. the money left over after meeting your family expenses. Those who invest with the remaining money after meeting their family expenses may not have to worry while investing i.e. they will never worry.