I largely agree to most of what you said here because a Bitcoin investor should only be thinking of investing in Bitcoin true his discretionary income, any money used to invest in Bitcoin outside his discretionary income spell trouble for the longevity of his Bitcoin holdings.
If an individual feels like investing aggressively in Bitcoin, it should only be done from his reserve funds not from the money meant to take care of his basic needs or his emergency funds.
Actually, if the path is investment, of course the capital specifically to run the investment must be there and prepared from the start so that it can be used immediately for that, especially if what you want to buy is Bitcoin where investors will be much better if they can buy it earlier. And for smart investors, I think they will make their own sorting of their money when they want to do something bigger in the long term such as investing in Bitcoin so that the funds that are sorted will really be used for one purpose only and will not be mixed with others because other sectors are also prepared specifically by themselves.
Newbies gets very excited when they hear that Bitcoin is a very profitable investment, they will be so much in a hurry to get started that they will ignore important tips like not using money meant for their day to day needs to buy Bitcoin. Most often it ends up in regrets because sooner or later the need for the fund will arise and they will be pushed to sell prematurely if there's no other sources to raise the money that they need.
It makes no sense in engaging in what your income cannot sustain and that is why with my experience I keep advising newbie investors to understand financial management first so that they can have realistic budget for their income. Bitcoin investment is a secondary need and if their is no provision for secondary expenses they should shelve the idea and focus on increasing their income first.
Most people who are coming into Bitcoin now are more profits oriented, it's a common fact that they want to make money and they just don't want to make money, but they want to just get rich in a twinkle of an eye, that is why they tends to ignore the little details in terms of making an investment, because I absolutely don't understand what will make someone who wants to invest to use money that is meant for expenses and paying bills to invest that is a wrong and bad decision to invest.
Investing in Bitcoin just requires simple logic and understand how to be able to invest and also most importantly how to continue accumulating and sustaining your investment and also understand the little details and Strategies that has to deal with financial management and good sustainable practice that will help to build a successful, having a source of income is crucial but knowing how to invest with DCA using discretionary funds is also important for some who is pleb and low coiner or no coiner whose interest is to invest and hodl.