There are so many things that is making some people not to buy BTC anytime, when some people have financial issues and it will be difficult for them to be stability in buying BTC on the time because they have other bills they need to settle to make sure there is peace at home. Some feel the dip will allow them to buy plenty of BTC and hodl because they know that the price has drop for those who don't have enough money to use the period to buy as much they want.
When someone is having financial crisis the mistake the person would make is going into Bitcoin investment, it's for the future and not something you'll look up to, to solve current issues, at that point the person is expected to tackle the more pressing issues then look for more source of income before thinking of going into Bitcoin investment else you'll not even last a year while investing on Bitcoin cause most of the profits or even all would be channeled into solving issues.
That's why it's advised that someone thinking of investment on Bitcoin should already have a steady income that would help superate reserve funds which comprises of the one meant for emergencies from that meant for investment for instance someone earning up to $100 weekly can channel some percentage to investment and the rest as reserve funds that can be used to handle unpredictable situations like emergencies and that of utilities and also funds meant for upkeep.