I mostly agree with these points, except the extent to which you (SmartCharpa) are suggesting that a person needs to have their finances and psychology in order prior to getting started with their investing into bitcoin.
The reason why someone should have their money and mindset before investing in Bitcoin. I'm not saying they have to be rich or have everything perfect, but they should be stable enough to take risks. Bitcoin is not like normal savings, the price can rise and fall fast, and if someone is not financially stable or emotionally strong, they may fear and make wrong decisions, like selling too early, buying out of fear, or even losing everything.
However, some people invest using money they are not supposed to use, like rent or loan money, If something goes wrong, it might affect their lives and financial situations. That is why it is always a good idea to understand what you are getting into, have some extra money, not emergency money, and be ready when the price rise and fall, that is why even if the market is bad, you will not become discouraged or make wrong decisions.