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.
I am not misleading anyone here. You should know that back up fund isn't a basic need like your monthly expenses that you cannot do without. If you income cannot doesn't have a discretionary income. This is why you are advice to start up your bitcoin investment provided that you have a discretionary income and don't have an emergency funds set up already because it's your discretionary income that you share into two parts. You use one part to invest in bitcoin and the other part to start building your emergency funds for up to at least three months of your monthly income.
You can start accumulating bitcoin every week through DCA and use the other part to build your emergency funds simultanuously with your bitcoin invest. When you have build up your emergency funds of three months, you can channel that money that you were using to build your emergency funds into setting up your reserve 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.
You should read my post above and understand it. I said that your income is where you get your discretionary income from after you have taken care of your basic needs and monthly expenses. Monthly expenses can be electrical bills, water bills, transportation fee to work or funds for petrol in your car till you get paid again e.t.c.