You are correct, and I can tell you that this is one of the reasons why some individuals do not have Bitcoin today. One thing an investor should remember about investing in Bitcoin is that every time is good to buy Bitcoin; don't expect the price to drop to use the opportunity to buy Bitcoin; when the price drops $103,000, some people think the price will drop more than that, and the price has risen back to 115k; some people still believe that the price will drop, If they do not have the funds to buy in large amounts, they are free to buy with any amount they have and keep for a long length of time, it is not required to buy in large amounts, at the absolute least, buy now rather than waiting a long time, as we do not know if the price will drop soon.
Stop calling someone who has not buy Bitcoin for investment as an investor. You should say an aspiring investor or anything you choose to call them. Bitcoin investment is accessible to anyone, as long as you have a stable income to carry you along the line. However, not everyone can invest in Bitcoin because of several reasons. One big reason is procrastination and personal conviction. Most people will never accept any new technology unless they are convinced personally and how is that possible if they do not give it a try.
A stable income is not just what is needed for one to start accumulating bitcoin but rather discretionary income therefore I believe it will be appropriate to say that as long as one have discretionary income they are good to start accumulating bitcoin instead stable income. Since it is possible for one to have a stable income without having a discretionary income, because our expenses do differs. Finally even without a stable income one can start accumulating bitcoin as long as the discretionary income is there to start with.