The answer is somewhat individualistic in terms of their ability to put money aside that they would put into bitcoin and not touch for 4-10 years or longer, and surely in order to stop themselves from touching the money that they put into bitcoin, then they would have some cash buffers.. so yeah, if a person is living paycheck to paycheck and perhaps they have $400 to $500 per month income and $300 to $600 per month in expenses, then yes, they are poor and they ONLY have up to $200 per month of extra, but they have so much flexibility in their income as compared with their expenses, so that they already know that some months will be negative, so they have to have extra cash to cover those months, so they might not be able to invest into bitcoin until they have at least several hundred in dollars extra so that they know that they have their monthly expenses covered even if their income happens to be low that month.  Each person will have to judge if he is able to invest in bitcoin and how much, and of course, it has to come from the extra income (the discretionary income) and if they and up making errors regarding how much extra they have, then they might end up spending from their bitcoin at a time that is not of their choosing, so they should be trying to set systems and buffers into place so that they are able to get through rough financial periods without having to touch any of the bitcoin that they would have had been able to stack aside.

If someone screws up or they do a good job in regards to how they choose to invest into bitcoin, that is their responsibility, so they are responsible to figure it out and also responsible for any consequences whether they make mistakes or if they end up choosing wisely, and hopefully they are figuring out strategies to be an investor rather than a trader or a gambler.