If you have the financial capacity to invest in bitcoin, then it’s just better you do it, and you shouldn’t delay. You can make use of the DCA strategy to invest in bitcoin, because the more you keep on delaying, the more bitcoin's price will keep on increasing, and when you decide to invest, then you will notice that you missed the opportunity to buy bitcoin at a cheaper price.
The people that are supposed to be scared in investing are short-term investors or traders, because slight changes in bitcoin price might affect them, but if you are holding bitcoin for the long term, then bitcoin price movement shouldn’t even make you panic, because your intention is to hold.
The reason why some people are yet to have single investment today is procrastination. I will start today or I will start tomorrow but years passed and they are yet to start. The reason for their delay is because they assumed the Bitcoin price is high when it was around 20k, 30k up to 50k, 60k etc.... Today the price is around 100k and they're still delaying hoping it'll come down to their expectation before they would start.
One thing people failed to understand with bitcoin investment is that there's no best time to start investing than the moment you receive that thought. Once you have thought about investing in Bitcoin, that's the perfect time for you to start otherwise you may end up delaying and give excuses until you start regretting for not starting earlier. The good practice is to start with as small as possible and increase your investment as time progresses and before you could know it, you have accumulate a reasonable portion of bitcoin.