It seems to me that if we were to grab any person off the street or run into them in the isle of a grocery market or we meet them at a birthday party or at an outdoor festival, and if we start to talk with them about their personal budget and the extent to which they have discretionary income. Off the top of their head, many of them likely would be able to tell us if they have some discretionary income or not and they might even be able to tell us how many weeks it would take before they completely run out of money for their monthly expenses if they were to immediately lose their job or their main source of income suddenly dried up due to some force outside of their control (or maybe even if they were struck by a bus or some other kind of surprise event caused them to not be able to work for some amount of time.. then how long would it take before they run out of money and what would they do regarding housing, food, transportation, and/or various essentials.. and perhaps if they were trying to stay self-sufficient and only relying on their own, or if they might have family that mmight step up to the plate for part of those expenses for a few weeks? or maybe other contingencies.
I totally understand where you're coming from and I absolutely have reasons to agree with you, but looking at it slightly from a different angle, I'd say that I honestly think that you're being too optimistic about how many people actually have a clue or handle on their personal financial position. Yeah, it's true that some folks wouldn't have a hard time rattling off their budget, emergency fund and other areas of their finances, but that doesn't mean everyone can, because I'd bet that a lot of people wouldn't have a single clue as many folks out there are only trying pretty hard just to make it to the next paycheck without having to overdraft. And speaking of planning for unexpected events, so many folks out there would be flying blind. That being said, this is why I believe it's super crucial to first understand your financial situation as a newbie, and have a solid plan in place before getting started, even if it's really not that solid, maybe even just a rough idea would be more than durable. Because if we are to be real here, not everyone thinks about Emergencies or future expenses, at least, not until it's already staring them in the face.
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I cannot disagree with any of that... and sometimes when I hear people to suggest that newbies have some "technical knowledge" at the time they start bitcoin, and then they proclaim that newbies need to know how to set up a private wallet and to think about the trade-offs between various kinds of self-custody solutions and blah blah blah.. I think that is way too fucking much, even though surely there are going to be some newbies who already are fairly technical in their nature and they get excited about technical challenges, I think that there are not as many of these technical nerds as people would like to presume, and I really doubt that there are needs to know self-custody and even other various technical matters related to bitcoin that distinguishes bitcoin from shitcoins and blah blah blah..
and even if some guys might already be ready (and want to learn those things) it is not necessary to get into technical weeds in order to get started mostly by figuring out that the newbie has enough basic math skills to figure out that he has discretionary income and he has enough common sense to have a general understanding of how much income he has coming in and if it is greater than his expenses and various other common sensical basics of having some general ideas about month to month cashflows and how much of a cushion might exist. None of those are advanced (and I believe not very technical at all) in order to get the fuck started... even though surely getting started might have some cumbrances in regards to where the first coins will be sourced, and will there be a private transaction or signing up for some exchange and what options are available in the geographical area of this particular bitcoin newbie person.
That's right, I also think the idea that newbies need to be some sort of technical wizards or technically advanced to get started is just so lame and a major turn off. What Most enthusiasts really want is to gain some level of basic knowledge and then get started without having to go through the stress of jam-packing their head with all the technical jargon. Having the basic knowledge of Bitcoin, such as discretionary income and cash flow, is more than enough to get started with. And I agree with you that sourcing coins and having to choose the best storage method can be another pain in the ass as it requires lots of research, but it really doesn't have to be that overwhelming. It's important to keep it simple and accessible for newbies who wanna get started, and then they can worry about the technical aspect later on.