Consider income tax, sales tax, captial gains tax, living expenses (gas, groceries, cell bill, electric bill... etc). Whats left to save? Barely nothing. I Wager for the average normie it'd take over a decade to save 1 Bitcoin. Add in inflation and number go up - barely anyone will be able to save 0.05 Bitcoin.

I dont condone borrowing to speculate, but... may not be a bad idea to borrow to buy Bitcoin if you're a no coiner.