those who say is too late to buy bitcoin lack believe in bitcoin potential and still fail to see the value of long term holding of bitcoin, bitcoin has not gotten to it spot main yet if you believe in long term holding of bitcoin it's OK to buy at any price level using the DCA strategy.
the word late when it comes to investing always such a ridiculous word to use honestly.
back then people were wondering if we're too late to invest in bitcoin when it hits $12k, not see it where it stands right now, price multipled almost 10x, and people are still asking the same thing.
there's no such thing as late if the asset can just grow multiple fold within few years or decades. on the other hand, anyone can invest into recently created altcoin worth a dime only to lose their money few months after because apparently, the word too late to invest can also be applied to new asset with shitty fundamental that goes down overnight.