It's not a good question because it there is time for too late to own bitcoin, it will be a time for Bitcoin death when no new people want to be participants of this market and want to bring new capital to this market.

The market only can grow if it is attractive enough to have new participants, and new capital flow. If it is only outflow, no new inflow, it will become dead with time. It's logic with all markets but fortunately, I see that Bitcoin demand will increase with time, and it's just late comers will have to buy bitcoin at more expensive prices.

I don't think with late comers, it will hurt them, as said, if it is hurtful for them, there will be no demand to join this market in future.