You are right with all you wrote but the bolded text is what I will disagree with you, because I don't understand how DCA can solve financial instability when you need funds to always buy every week or monthly consistently for 4-10 years and above. DCA is not a job or the government that can make our finances stable, it's only a strategy that is used to accumulate bitcoin when you have a stable income and a discretionary income. Anyone having financial instability/problem will not be able to invest in bitcoin because he does not have discretionary income and if he forces himself to invest, it means that he's gambling because he must sell his bitcoin at loss when his needs arises should incase bitcoin price dips below his entry point.