We have to admit that the best way to invest in Bitcoin is the DCA method, it is a good way for every investor. To hold Bitcoin for the long term we need to have confidence that Bitcoin will do well in the future, we need to take risks and be patient. What I have learned from my real experience, is to invest what you can afford to lose in order to hold Bitcoin for the long term. I invest in Bitcoin and forget that I invested in Bitcoin. So I prefer to buy Bitcoin even at this time, my plan is to continue investing with DCA method until 2029. Now everyone has a different strategy, one person's plan will not match another's.
The DCA method is very relevant for use by all investors, both investors from the lower middle economic class and the upper middle class. Because if explained more simply, the DCA technique looks like saving. However, the difference is that DCA is more well organized and has a regular time for making bitcoin purchases. That's why DCA is perfect for all bitcoin investors. Because buying bitcoin regularly means investors don't need to be afraid of price fluctuations. But in my personal opinion, DCA can also be divided into two types depending on the circumstances of bitcoin investors. The reason is that quite a few investors collect their money first, then carry out DCA and divide their purchasing time into a certain period of time. However, there are also those who carry out DCA based on the discretionary income they can get every month from their work salary. I think these two DCA methods have the same goal. But the first method may be more suitable for rich people and the second method may be more suitable for people with middle economic conditions. So with this, it is clear that DCA is a very good purchasing method for investing in bitcoin.
I question whether you are sufficiently thinking through the differences between rich people and poor people because I doubt that it makes any difference to hold back money for either rich or poor, in terms of advantages.. but maybe you are just making your points in a bit awkward ways when you are talking about whether or not to have an emergency fund... which everyone should have and build up towards having, especially the longer that they invest into bitcoin, but yeah, if poor people aren't doing it (which sure I know that many times they are not), then they end up getting fucked in the end because they don't have back up funds..
Sure rich people have more discretionary income, so they may well be able to invest way more than poor people, if they put their minds to it, yet frequently rich people will still get distracted into consumption rather than investing, so seriously focused poor people may well end up catching up to and passing rich people, even though rich people have a lot of advantages, yet I think that it is a bit of a distraction to differentiate based on rich versus poor in terms of whether there might be advantages in holding back money.
I personally think that inconsistencies in income and expenses could be reasons for holding back value rather than investing right away, so surely poor people have disadvantages over rich people in terms of even making sure that they have enough income to be able to invest into bitcoin, since sometimes there is not enough income to work with in terms of making sure that they are able to build an emergency fund, yet the poor person likely needs to the emergency fund more than the rich person, yet if your point was that the poor person is not able to hold any money back for an emergency fund, then the poor person is going to end up getting fucked when he has any little emergency and he has to tap into his investment prior to his intention. so emergency funds are just as important (if not more important) for poor people as compared with rich people... but yeah, it is likely that a lot of poor people stay poor because they end up using their investment as their emergency funds rather than making sure that they have enough flexibility in their cashflow to make sure that they never have to sell their BTC at a time that is not of their own choosing.. which becomes way more dangerous with any investment that is volatile, like bitcoin.