I think the diagram from you it's quite simple and easy to understand, Your illustration is just quite educating to me, and also it quite simply illustrates everything that is being discussed in other thrends.
1. Your Income. From your income then you get
i. Essential Expenses, that is our bills,
ii. Discretionary income, which you still that that from your income.
iii. Emergency funds, reserve , floating funds which all still Comes from Income.
iv. Bitcoin Accumulation, which comes from our Discretionary income.
I believe this is quite simple and easy to understand from your diagram illustration.
You've perfectly expressed my perspective and POV in your own way and I'll say you've done justice to it. Everything, from your expenses to the discretionary income comes from your income, and none comes from the discretionary income, except accumulation of Bitcoin
I don't think only bitcoin accumulation comes from our discretionary income. It's our discretionary income that we use to invest in bitcoin and set up various backup funds like emergency funds, reserve funds and float. It's from your income that you use to take care of your monthly needs and expenses while the left over is your discretionary income. I don't know how to draw a diagram, I would have used it to illustrate.