I agree with you because we should not spend all our money on investing in Bitcoin because it can put us at risk later, we cannot let it become difficult to meet the expenses necessary for our normal life, you should invest in a money that will not scare you and you can live your life normally without that money, in that case you should be financially secure enough to invest in Bitcoin, but investing in Bitcoin which is a step towards the future,
You don't need to have all the money to be financially secured before you can start your bitcoin investment, because if we want to wait till we are financially secured, a lot of poor people wouldn't invest in bitcoin which will make them miss out the opportunity to save their extra funds from inflation overtime and also benefit for putting it into bitcoin in future and stay poor.
All a new investor needs is a discretionary income and he is good to go. It might not even be coming steady but as long as he can buy bitcoin with that amount and not sell it but plan to hold it for long term and work towards improving his income so that he can carry out his DCA weekly accumulation consistently and keep in ongoing for 4-10 years and above.
It's better of to be a low coiner than a no coiner waiting in a lost state.