I read your post carefully and I can categorically tell you that there's no point pushing this narrative, life's a rollercoaster, the so called poor man today with no bitcoin could be a multi bitcoin holder in the nearest future.
A bitcoin enthusiast might be struggling financially today but that doesn't kill the bitcoin desire in them, owning bitcoin is a financial journey, could be slow and steady because every satoshi matters.
Everything would have been worth it if we had bought it from the beginning, now we are just coming to plan it and of course achieving profits takes time and we have to wait for the market to rise although it is never too late if we want to. I think it is natural, everyone will always try to increase their asset holdings and other diversifications.