Nobody has missed the Bitcoin bus because it isn't a bus. It's better money.
The strategies for acquiring that money are merely going to be increasingly diverse, as each person leverages their own talent stack and environmental advantages to acquire it most efficiently.
One advantage many of us don't have is "large amounts of unneeded fiat cashflow that we exclusively control".
Even if we acquired more, somehow, it would get sucked into the black hole of our family bank account or be snapped up by creditors, support payments, or tax collectors.
Even a direct Bitcoin income might not help, as we could be pressured into reporting or selling it, so we might be better-off holding Bitcoin-capitalized equity. Then the Bitcoin is "tied up".
