I agree that bitcoin is for everyone and anyone, yet there is a need for a discretionary income or an ability to grow a discretionary income in the cases that a person does not already have a discretionary income.
These matters of income inequality are not easy to overcome for some folks it is more challenging than others, and surely the poor people have to have fewer mistakes and to be more organized than the more well-off people, and so I am not going to proclaim that all poor people are responsible for their own situation, even though there could be some avenues for some of them to grow out of their predicament.
You may well be correct that some poor people are very irresponsible with their money and they have bad habits and bad money habits, which may well be true, and the direction out of their own bad habits and bad mindset is also not necessarily clear since even a poor person who is truly inclined towards the employment of good habits might not always know how to attack their various problems in such a way that will help them to rise into a higher income and/or social status, which will help them to get higher income or even to be in circles of folks with better information, and surely in a forum like this there are possibilities to be exposed to better information, yet there still are needs for people to learn from the information and act upon the information in a way that makes sense to themselves and their own circumstances, even if they might still need to unlearn some bad habits that they don't realize that they need to unlearn.
I dont disagree that discretionary income is the starting point for an investor who is planning to have the most suitable accumulation plan. Most people get it wrong when it comes to accumulating. Its not really about wanting to buy bitcoin its all about being able to buy with the money we earn monthly or whichever way. No excuse to anyone who dont want to start accumulating especially if they are members of the forum. I have read from some members how they managed to stack $10/weekly into their portfolio, and they have been doing it for a very long time now. Yet, there are many loudmouths who will only start discussing about the price and how they wished they bought only when the price started to going up.
The truth is, whether we are rich or poor, most persons are not being honest with themselves on what should come first in their life. I call it misplaced priorities. They lament they cant buy bitcoin but yet they can afford drinks, netlfix, mariujuana and yeah, I am not about what they do with their discretionary income. All am concerned about is that, if they are sincere they want to hold bitcoin they need to know what comes first.