I don't think it's usually a matter of discipline in today's economy. More and more people keep having 0 money to save or invest after their basic expenses for the month.
So is it a matter of discipline? The devaluation in the economy is reflected in income also not being enough. So what is there to secure then. It's like the economy wants us to remain alive only for working.
if you start from the point that there is a way to beat inflation by saving in hard money and that bitcoin is acessible to all then it's a matter of discipline, the first thing is saving more than spending
then of course it comes to other things
I think anyone would be able to do it if they had the knowledge but most don't really care so much