Another thing is that guys sometimes get locked into shitty paying jobs, so sometimes they might need to spend some money (and/or time and energies) in order to put themselves in a place to be able to make better money. These are not easy choices, and the answers are not obvious since they likely take some efforts from the involved person and also sometimes based on a variety of preferences and the potential to build on already existing skills and characteristics.
Our energies are high while we are in our 20s or 30s and that's the time when we must not stick with our monthly salary (if it's not adequate). One must go for extra work to generate extra income that we can use for investing in Bitcoin. Also if it becomes our habit in early age to work hard then we carry that with us as we grow. Inflation and low salary should not be an excuse, we have other options to increase our earnings. These days inflation has gone up and people are finding it hard to live with monthly, it's essential for everyone of us to find some extra work to invest in Bitcoin.
I get your point but I think these is even those who are in countries that even have jobs and offer free time or even pay hourly for a job, but for a country like mine where even a graduate finds it very difficult to find a job talk more of a non graduate, then you’ll understand that, inflation and low income is a major excuse but not withstanding all of these, I also do agree with you that, the 20s and 30s are supposed to be an age of exploring and taking some calculated financial risk but that doesn’t mean that we should at such ages life is supposed to be easy because I know of people who barely see what to eat even people above such age.
Most times I don’t have to judge or do a hasty generalization on people especially if I don’t get to know what they might be going through personally and at some point, I believe everyone who knows about bitcoin and believes in it should want to invest and even hold it for long as possible but trust me, a good number of them are not holding it for several reasons and we do not have to blame them totally for it, especially if we don’t know what they might be going through.
If you cannot generate enough discretionary income to be able to invest in bitcoin for 4-10 years or longer, then you probably should not be investing into bitcoin until you are able to figure out how to accomplish such.
If you never get to a point of being able to generate discretionary income, then you are not eligible to invest into bitcoin, since you need a 4-10 year or longer time horizon. .. otherwise if you buy bitcoin with a less than 4 year time horizon you are trading and/or gambling rather than investing, which may or may not work out for you. I don't recommend trading/gambling with bitcoin... even though some people will do that with their coming to bitcoin with less than a 4 year time horizon.
You've really hit on an important distinction between investing and speculating. Like every other/most long term assets, investing in Bitcoin requires both patience and stability to really understand and realize its actual potentials. If there's no discretionary income (which is leftover money that isn't really needed for essential expenses or actual emergencies) and they end up Investing the little money they have into Bitcoin, it could potentially cause some sort of unnecessary financial strain, and that is definitely not a good foundation for any solid investment.
I think that the 4 to 10 years horizon you pointed out is spot on. Historically, Bitcoin is known to move in cycles, and those who tend to focus on shorter horizons are often left vulnerable to actually buying at a high price, selling at a low price or even shaken out during sudden market volatilities. But when folks approach the market with the mindset of Hodling through several cycles, they potentially get the chance to actually benefit from Bitcoin's asymmetric upside.
I also very much agree with point about gambling. When someone goes into Bitcoin with the hopes of getting some quick profits within the short term, perhaps a year or two, they're not really investing in the asset's long term adoption and utility, but merely speculating on Bitcoin's price movements. It's not as if trading is completely wrong, but the thing is that some folks fail to set their priorities straight and it's important for individuals to be crystal clear with themselves about which game they're playing. A lot of folks end up gambling with their investment unintentionally, simply because they haven't really built the financial stability and/or mindset to apply patience while investing in Bitcoin.
The take away point here is that, before anyone goes into investing in Bitcoin or any other asset, it's important for them to first of all, cover all the financial basics, which are Emergency fund, (although this could be built simultaneously with your investment) income stability, discretionary income/cash flow. That's the only way that a long term Bitcoin allocation can become a strong sustainable strategy.