You have a good point but you are a bit confused or lack some right description of what you meant. The idea of DCA strategy doesn't make investing in bitcoin and expensive venture, infact, it makes it much easier to accumulate more bitcoin with less financial stress. DCA approach works best together with Discretionary income. Anyone that invests more than his stable income is either greedy or uninformed. It is not even advisable to invest all of your stable income into bitcoin to avoid stress. Emergency funds and backup funds are the key strength of holding your bitcoin stash. So you make provision for emergency funds and back up funds before investing in bitcoin. Emergency funds have no fixed amount, you only envisage what could sustain the period before your next income and then what is left is what you can willingly invest in bitcoin.
What exactly are you even saying here? Every other strategies or infact Bitcoin investment requires or works best with a discretionary income the reason being that that is the only way we can be investing and at the same time be taken care of other important needs without struggling, whichever strategy or of accumulation we are using be it Lump sum, DCA or buying the dip the investment money must be a discretionary income if not you are gambling rather than investing, my point is that our investment money should always come from the angle of a discretionary income meaning that you are not investing most or all of your income in to Bitcoin but just a Left over cash after ensuring that whatever that is considered to be your basic needs has already been taken care of.
Agree with you, long term plan is necessary when investing in Bitcoin. In the case of long-term investment, the investor should invest his money in such a way that there will be no other pressure on the money, that is, what we call discretionary income. If a person does not have sufficient income, then he will not be able to hold his Bitcoin for a long time. Those who are doing DCA in holding Bitcoin must have taken the right decision, but he must think about whether he has the benefit of discretionary income or not. Many investors can make such a mistake that despite their lack of income source, they increase their investment by holding Bitcoin and hoping to be profitable from it, but after a while they fail to hold that Bitcoin.