That is not true.

Anyone who has discretionary income can choose how to spend such discretionary income.  There are some folks who have $10 per week of discretionary income and there are others who have $1k or more per week of discretionary income.  The level of aggressiveness has to do with what proportion of their discretionary income are they using to buy bitcoin.

I would suggest that if they are using 70% or above of their discretionary income to buy bitcoin, then they are being aggressive, and if they are using less than 10% of their discretionary income to buy bitcoin, then they are likely being whimpy.

People completely have the right to choose whether or not to invest in bitcoin and their level of aggressiveness, and their choices (and actions) have consequences that they will live with either way, whether they choose to invest in bitcoin or not and if they do what level of aggressiveness they choose.

For sure if a person is new to investing and if a person does not have back up funds, then likely he would need to build that from his discretionary income, so maybe as a person is first getting used to investing into bitcoin, he ends up having to choose a lower level of aggressiveness while he is building up his backup funds, and once he is comfortable with his level of back up funds, then he is in a better place to increase his level of aggressiveness.   Guys can have emergency funds and reserve funds... You are right that usually we would consider emergency funds as not being used for buying bitcoin., but that might also be a judgement call in terms of how the various kinds of back up funds are being categorized and used and if there is enough of them, but yeah, generally speaking buying bitcoin does not seem like an emergency, even if the price dips, but people have to figure out these matters, and if they end up prematurely draining their back up funds, they might find themselves in a bad position if they don't have any back up funds and then an emergency happens.. such as a drop in income and/or an increase in expenses, and they are left with no choice but to tap into their bitcoin investment at a time that was not completely of their own choosing, but they had put themselves in such position due to sloppy cashflow management practices.

If people have other obligations with their discretionary funds, then they might not be in a position to be more aggressive unless they cut their other obligations, which they may or may not be willing to do.