Some countries have existed for decades, yet they have not gained close to the popularity and value that Bitcoin has gotten in these few years. I don't blame you for not taking the risk of borrowing money to invest because Bitcoin was just a new invention that most people never expected would increase to this extent. I know that Bitcoin is still in its infant stage and will keep growing. So anybody who invests now is still an early adopter. There are millions of people who will join the train later. We are just privileged to be part of the system now. We must keep hodling regardless of the FUD because some people who sold early are regretting their actions.