I get the point you are driving at an all the point you raised here makes sense, but I feels like their are few more that should be added that is not here , and the one I can remember now is that if you are investing in Bitcoin, it's very important that you invest with an amount you can afford to lose, so that if things doesn't goes as planned, you wouldn't be contemplating suicide, this is why it's very important to invest only with your discretionary income, because your discretionary income is the money left after all your basic needs have been met.
So for you to be in control of yourself if your investment in Bitcoin doesn't play out as expected, you must invest only what you can let go, because in as much as the potential of Bitcoin is very bright and huge, nothing is guaranteed in the future, so invest with caution.
When you are investing in bitcoin, invest with the amount you can afford, theres nothing relating losing here, bitcoiners should learn how to put this information straight, the reason for using discretionary income was because we are avoiding loss, nah nah, it so simply because we trying to invest and be free of hasty decision that may lead us to trying to sell due to the some pressure that may arise as we keep investing, this discretionary income makes the investment flexible and smart for us, no pressure at all, we won't be thinking of doing the otherwise as we keep using discretionary income, why I don't make use of the statement like invest with what you can afford to lose is because, such statement looks very negative and we should know people are here to learn, understanding differs too, some persons may not understand it very, they may misinterprete it for themselves, nothing is guaranteed in the future as you just said but you will agree withe me that the investment of the investment gives us hope.