Learning to hold or to let it build up would not come naturally.  It seems getting them to either earn BTC regularly and/or to buy BTC and stack it aside are good habits, yet young people frequently need money, so it can be difficult not to spend it, unless the young person has some kind of a regular income.


Not yet.


Part of the dilemma that the USA ends up facing is that their announcing their intentions will likely trigger other countries to attempt to front run, so even if there was not an intention to add BTC to the treasury (reserves), the other countries engaging in such conduct could well end up causing the need to actually fulfill the campaign promise.


Probably action is better than saying anything, and I doubt that you are late adopters.  You are just a bit later than some of the folks who came earlier than you.

What you should do is get the fuck started as soon as possible and start buying regularly and otherwise study the space, then in 4-10 years or later, you will probably be in a very good place both financially and psychologically, even though it is not guaranteed that you will be in a good place, but at least bitcoin is amongst the best of investments if not the best investment, so it likely would be worth your time to figure it out so you are not whining and envious but instead proactive and building your stack as well as you can within your own abilities.