I completely disagree we are too late.Golden time was about 4 years ago from now to invest into bitcoin basically.Nowadays investing is expensive as well as a risky game to enter onto
The price of Bitcoin is rising as it is gradually de-risked. You could've bought Bitcoin earlier less expensive - but in fact at that point in time it was never clear at all that bitcoin would grow to the proportions we see today. So essentially the risk was much higher back then than it is today.
You can't evaluate the past with the knowledge of today, that's unrealistic, because in the past nobody knew what the future (in which we live today) would bring. So looking back in a future yet to come to the (then past) present you might feel the same.
ya.ya.yo!
Risk just means how much you can lose. If you buy 1BTC for $500 you have $500 at risk.