Knowledge is what makes people invest in Bitcoin. That is why you see someone who thinks Bitcoin is too expensive to invest in, while they can just invest the little they can afford and do so consistently. You will also see people who are earning well but still find it difficult to invest.
Money doesn't really determine Bitcoin investment; though money is important, you can still have money and not invest. Knowledge is the principal thing in Bitcoin investment. That is why you can see a student who depends on their parents for upkeep money, but the person is consistently investing in Bitcoin. This is not because the money is too available, but this investment is possible because of the understanding one has about Bitcoin investment.
I agree with you that knowledge is important, and this is why people invest in Bitcoin since they understand its value. People cannot invest in something nowadays unless they know or understand its value. It is clear that some people have the chance to invest in Bitcoin but find it difficult to do it due to a lack of knowledge. If some wealthy people discovered that something like Bitcoin existed, they would rush to invest their money.
When it comes to Bitcoin investing, knowledge and money go together hand in hand, both are important since you cannot invest without knowledge and money that you can leave in it for a long period of time. If you believe in Bitcoin, you can start using the little knowledge you have, while we learn as we grow our holdings. It's not about having a perfect start, it's about seeing how far we can go with our investment.