You call it delaying, but I'll say it's fixing your cashflow until you're able to determine that you've discretionary income present before starting your investment into Bitcoin. Investing in Bitcoin without having discretionary income is starting out your Bitcoin accumulation journey with the wrong orientation.
Training your mindset to do the wrong thing is victimizing yourself. If you use money meant for your expenses to buy Bitcoin, of what benefit is the investment to you when you'll sell shortly to attend to an expense and you might be unlucky and sell in loss?
I'll agree to your point, I think delaying would be when an investor has his discretionary intact but decides to wait till the market dips before investing, but whereby he's waiting to generate his discretionary to invest is definitely referred to the term you used which is " fixing his cashflow". It makes more sense since the discretionary funds in the appropriate fund used for investing in Bitcoin, one shouldn't expect that because it's Bitcoin investment and has lots of opportunities, then people should do the wrong things and go against the principles of investing on the coin.