Do you think it is too late for someone to invest in btc? Especially when it is not a huge sum?
There are a lot of potential altcoins and that is still a good investment. I'd just to hope that they can't be wrong of choosing altcoins so they won't regret it later.
But bitcoin fading out and losing popularity, I don't think so. It may be their perspective but for some it is not. Like those financial institutions, a lot of them are still buying large amounts of bitcoin. In time, when bitcoin will be higher than what it is now, some of these users that are saying it is too high to get in, will tell to themselves that they should have bought bitcoin when it was still 55k or 60k. Few years from now, if the OP will look back to this thread. More than likely, he already changes his views.