This is the thing that people who already own a lot of Bitcoin don't get.
The most valuable asset most people own is their car (no joke, and many people don't even own that). Some people "own" cars that are only worth $5000 or something, and they financed the purchase over multiple years. This works because banks and credit agencies accept cars as collateral on a loan.
You can use cars or houses, as collateral. Maybe stocks, but probably not. That's basically it. Many wage-earners -- even in wealthy countries -- can't just go to a bank and get a $100k loan to buy a Bitcoin. Even most companies can't.
Bitcoin is "only" at $100k, and it's already priced out of the market for almost everyone on the planet and that goes double for women or young people. And it's actually been that way since it was $10k.
And you didn't notice.
