If an investor invests with more than the amount of money he can afford, he is only gambling and not investing. Who told you that such person will be able to acquire a large bitcoin portfolio in future. Rather, that investor is going to sell his bitcoin portfolio before time when he needs arise, because he has invested more than his discretionary income. The worse part of it, is if bitcoin price dips below your exit point, you will run at loss. A bitcoin investor should only invest with part of his discretionary income to buy bitcoin so that he continues to accumulate week/monthly whenever his discretionary income is available for 4-10 years and above without selling till his desired time.
You seem a little too sure about the future. What you said may be right, or it may be wrong. Investing more than you can afford is a wrong move and as a result you may face financial problems in the middle and be forced to sell the investment. However, it is not certain that such a move will force you to sell the investment. I am not proving you wrong, but I am requesting a possible statement about the future. Because as you say, it may not be like that in reality.
Investing more than your ability can never be a good move. You may be moving towards the goal faster, but there may be a doubt whether the goal will be achieved or not. Because Bitcoin investment is long-term. You have to remember that you will not be able to use what you are investing for 4-10 years. Using it means that you are breaking the investment and all your previous troubles with the investment are in vain. So invest within your ability and take the right steps for financial crisis. Financial management is important for investment.