I agree with you here. $90 and $10 man such investor will be seen to be an unserious investor or a greedy one. Only an investor who is not ready to invest properly into Bitcoin will invest only $10 out of the $90 discretionary income. Unless he has other places he is investing into it. Maybe he is diversifying his portfolio so he only choose to invest 9% of his discretionary income in Bitcoin but that is not an ideal way to invest.
For newbies that just started its either they should focus on Bitcoin on the early stage rather than diversifying into several asset with the same frequency they are using to DCA in Bitcoin. After they must have had a good amount of Bitcoin in their portfolio they can choose to diversify. Diversification should come only when they are properly settled with the first Bitcoin investment goal if not they will only end up having little amount of Bitcoin in their portfolio. Meanwhile on the contrary they are jeopardizing their investment gradually thinking they are investing the right way.
If a new investor invests a small amount of money, then it will be seen as an irrational investor or greedy, I think this is completely wrong. Because a new investor is very scared, at first they are very afraid to invest, investing a small amount of money is not a bad thing. It is a good sign to gradually move from investing a small amount of money to investing a large amount.
If someone chooses to invest 9% of his savings, this is really not an ideal way. Because investing using 9% or 3% of his savings is not an ideal way or the right decision. You can invest 9% from the amount of money you have left after excluding personal expenses, housing expenses, all kinds of expenses. If you invest in this way, then even if your investment loses money immediately, you will not be very upset. Because you are investing after meeting all your needs. For example, you are investing with the amount of money you do not need, so even if you face immediate losses, you will not be too worried.
Through the DCA process, you can buy or deposit Bitcoin at any time. DCA is a very convenient process for depositing Bitcoin for beginners.