There is nothing wrong using the lump sum strategy if the money is there it won't trigger any financial stress if the income is available there are rich people who are using the lump sum strategy and also the DCA strategy poor people may also decide to lump sum if probably they won a lottery or unexpected huge amount of money came there way he or she may decide to lump sum without them selling there bitcoin holding since they will still be using the DCA strategy.
But it is better they use DCA than to buy at once even if the money is there. Bitcoin price always fluctuate and if we buy at once using a large money and the price is down a lot, we can be difficult to buy back Bitcoin. But if we can steady to use the same amount of money and allocate the money by our capability, that will help us to have the money and prepare for the next down time.
I don't seem to get your message clearly, but it's obvious you're trying to point out that lump sum isn't a good accumulation strategy.
I'll be quick to correct that notion. Lump summing is one of the valid accumulation strategies and as long as the investor has large discretionary income available, they're on the right track if they choose to lump sum, the most important thing is that the investor is accumulating Bitcoin and have a long-term holding plan.
Some people don't have income at shorter intervals to DCA and when they've income, they can lump sum to continue drawing closer to their accumulation target.
Every investor is at liberty to choose which accumulation strategy appeals to them and start buying Bitcoin. The only strategy that isn't much advisable to employ as a newbie in Bitcoin is waiting for the dip.