Bitcoin is not guaranteed to go up in the future, so any of our accumulation plans and/or practices should account for a variety of possibilities even if we consider that the odds are quite great that in the long term bitcoin prices will go up, especially 4-10 years or longer into the future, yet even with a long term timeline, the BTC prices are not guaranteed to go up.
Furthermore in the shorter time frames bitcoin can go up down sideways and/or all over the place, so the short-to-medium term is probably even less certain than the longer time line, but the mere fact that we have a long investment timeline that also does not make it guaranteed that bitcoin prices will go up.
We might assure ourselves that the most that we could lose in bitcoin (as long as we don't use leverage) is up to 100% of what we invest.
I agree with you sir, Bitcoin doesn't give any guarantee in investment and that's why we should only invest/ accumulate Bitcoin using our discretional income should incase anything go wrong it would be a lot easier for us to move on so it wouldn't costs us any trouble . Although investing for the long term likewise for a period of 4- 10 years is necessary to maximise profits for holding even though they is no guarantee that it will happen. I think instead investing with a guarantee that we will cash out big which we are not certain off, its better we simply Buy from our discretional and move on without having any guarantee attached to our investments .
Ponzi schemes are the only one promise sure or guaranteed profit on their investment. But since Bitcoin is volatile asset we still don't know what will came to us in future.
That's why emergency funds is important to set up some safety nets if those result we are hoping to come didn't happen.
But try to look at what's currently happening now. Institutions and governments are now buying Bitcoin. Those Bitcoin reserve initiatives they made would play huge rule since it can increase more the demand which is helpful for price of Bitcoin to grow. Also with that we have great chance to earn with our Bitcoin holdings in future. So we just need to trust Bitcoin and continue to accumulate since there's good chance for better future with Bitcoin since demand is growing each year.