I humbly agreed with you  were u said guys can increase their discretionary income by increasing income and/or decreasing expenses, yet sometimes people are not,  i will said why it look as if sometimes people don't want to increase or decrease expenses is because many that doesn't have jobs or a way to generate income but still they are trying all their possible best to put in their best of what they have in Bitcoin investments for it to start to accumulate and for those that have jobs and also have ways to generate income yet have not be able to increase their discretionary income is base on their self discipline when it comes to investments.

I surely believe one thing in this life, you never dispite your little beginnings, just continue working towards it and  one day, you see yourself have reserving fund and still accumulate your income, to those that have the zeal to investment more and they don't have income due to one thing to another.