You are lacking in imagination if you believe that overaccumulation cannot be achieved.
Let's say that there is a person who was in his mid 30s in 2016, and he started accumulating bitcoin in 2016, so now he is in his mid 40s. When he started investing in bitcoin he had been earning around $30k per year, and he had been investing in various other assets at a rate of about 20% of his income (about $120 per week), so his total investment time had been about 10 years, so he had an investment portfolio of about $100k. In 2016 he decided to continue to put $120 per week into bitcoin, yet he also decided to put 40% of his already existing investment portfolio into bitcoin (which would have had been $40k). His goal was to get to having a passive income of $80k.
So his initial purchase of $40k worth of bitcoin got him right around 61 bitcoin (since he got them around $650 each).
The power of constant investments, such as DCA strategies, is really impressive.
Since I started working, almost 20 years ago, I tried to save everything I could, I lived in a very frugal way for years.
THen I discovered this forum and started accumulating $20, $30 usd per week in bitcoin. After a few years I reached $100 per week, and then $300 per week.
All that small amounts of money from the forum allowed me to accumulate much more bitcoin than I would have ever imagined.
Ofc the price of bitcoin skyrocketed and it helped a lot. But it may skyrocket again to 200k levels in a few years.