Several times in this thread, and maybe some of the related threads, we have observed that there are likely a lot of people (especially rich people) who have a lot of various resources, including that they may well have friends and family that would bail them out of short-term cashflow situations.. such as.. this might be dad or mom.. :
"0h shit, son.. you invested in bitcoin on the dip and you don't have enough money in the bank to cover your rent, car payments or to go on your planned trip to Hawaii for the upcoming weekend.. . no problem.. .. sure, I wished that you had some better cashflow management skills, but that is not a problem and you can just figure all of that later. ... in the meantime, here is a $20k loan.. .. just pay me back whenever you get your cashflow situation back in order" .. .
In these kinds of rich people situations, the $20k "loan" may not even need to get paid back. .and the son might even have some.. other back up ways to get money in case dad or mom did not bail him out.
Yeah and if the lad has some brain inherent, they can continue to leverage on their various backup plans and use the excesses and personal income to increase their aggressiveness in their accumulation journey. I remember when I wanted to learn a skill and considering the fact that feeding would be my greatest challenge, alongside some little expenses, so it would take a longer time to gather funds to pay for it. I targeted when I would be home and leveraged on free food for a while while preserving earnings until it was enough to take the training, had dad drop me off on different occasions at the training centre and supported me with transportation fee and miscellaneous when I requested it in a bid to support me learning the skill, so I learned the skill without much difficulty.
A smart youngie who have come to know and accumulate bitcoin can leverage on many backup plans and people he has and maintain his accumulation journey for a a timeframe sequel to when he balances his financial life, stabilizes his income and can now continue on his own. By then he might have even accumulated a good quantity of bitcoin instead of just folding his hands and waiting until he gets a steady job or income source before starting out his accumulation journey.