If we want to accumulate Bitcoin, we don't use mentality to accumulate Bitcoin; what we use to accumulate Bitcoin is our discretionary income. It is important to always delay investing in Bitcoin if you don't have a discretionary income because Bitcoin is a long term investment, and you need discretionary income to invest in Bitcoin so that you won't have any difficulty in holding your Bitcoin investment for a long time. But if you use because of time is ticking and ignore using discretionary income to invest in Bitcoin, that means you are investing in Bitcoin with the money meant for your expenses and that is FOMO, and you won't be able to hold your Bitcoin for a long time.
Yes, you are actually right here, and I think that we both share the same sentiment on this issue here, investment made in Bitcoin outside your discretionary income is more of gambling because it's just a matter of time before you sell it off prematurely just to address what the money used to invest in Bitcoin is meant for, and in my own opinion you can't be buying and build a good stash of Bitcoin like that.
The key problem that I have found out among most Bitcoin investors that makes them fail in it is that they tend to invest from their salaries like the money they intend saving from, not knowing that investing in Bitcoin requires discretionary, not money meant for saving, since it's a money you can afford to lose, but you wouldn't even accept the idea of losing your savings, that's why such investors tend to panic and sell prematurely when the market starts declining, and even though they were able to hold without panicking, they will still likely sell prematurely when the needs arises for what they are saving it for is at hand, so investing only from your discretionary income is a must if you must go far in your Bitcoin investment.