We cannot really know the exact adoption numbers, yet many individuals are going to end up getting fucked because they are too slow to get themselves into bitcoin.
At some point, i though this was due to fear , but later discover that some have high level of indecision and can procrastinate for years, which has affected them to the stage they were now, because someone found in this condition may not quickly move or progress as opportunities are flying up and down and time is going without them seizing any opportunity, bitcoin at this stage is not what anyone should doubt or delay to invest, except the have the condition to learn and know about how it works before investing properly.
There is a certain value to just getting started even with a small position size. Part of the difficulties can merely be related to not knowing where to start, and so then if there is just one step at a time and getting started in a small amount, then perhaps that will incentivize further looking into it and continuing to increase involvement, even if it might take a while to really evolve towards being a more seriously focused bitcoin accumulator.
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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.
For sure, I have never said that any of the investment process is easy, yet surely many of us realize that it becomes easier with practice and we improve one system at a time, and surely some folks might have some really messed up finances, yet they can still start to invest in bitcoin and little by little improve their various cashflow management systems while they are building their bitcoin investment size, and yeah, maybe many folks have to start out with just investing $10 per week and work theirselves up to higher levels after also fixing aspects of their cashflow management systems and/or practices.