Accumulating BTC gradually is not affordable for everyone, but it's quite affordable overall. Bitcoin transaction fee is normally very low, but again, even $0.3 is not nothing in some countries, for some people. Moreover, you do need to be able to save up and also afford to lose your savings when you're accumulating Bitcoin, so those who can barely make ends meet are also unable to go down that road. Finally, while I do agree that a bit of BTC is better than no BTC, it can be quite insignificant if you have a very small amount. For example, if over 1 year, you accumulate $200 of BTC, then even if BTC costs over $1 million, it's just $2k for you. And sure, it's not nothing, but there are very few cases in which this amount of money can be truly life-changing.