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 also use part of it to 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.
It appears you have a totally different perspective and viewpoint on this matter. And I find this perspective of yours to be quite misleading because it's nowhere close to what we are arguing here.
From how I remember it, discretionary income is whatever amount that's left with you after you've settled and sorted out all other expenses which includes backup (and other reserved) funds allocation, expenses allocation. Sorry but you don't use your discretionary income to set up your emergency funds.
Again, you said that you use your discretionary income to invest in Bitcoin and set up emergency fund, and then use your income for your your monthly needs and expenses, if this is true, then where does the discretionary income comes from when all your income goes to settling and/or taking care of your monthly needs and expenses? I'd love to know.