There is an important distinction related to the point that you seem to be wanting to make, which seems to be that you are missing some nuance in regards to what makes a person able or unable to invest.
There is some correctness that if a person lacks capital, then he may well not be able to invest into bitcoin or anything else, yet the more important point would be that a person's ability to invest in bitcoin or anything else relates to the extent to which he has discretionary income.
So in that sense there is no requirement that anyone has any capital at all in order to invest into bitcoin, and so the main requirement is that a person has discretionary income - and sure, a person who has a lot of capital may well be able to invest into bitcoin by moving his capital from certain kinds of assets into bitcoin, so there could be exceptions to any proclamation - even though we already know that it is not required to have any capital to invest into bitcoin so long as you have discretionary, even though having capital could be another way to establish an investment into bitcoin.
So are you admitting that there is no need for capital to invest into bitcoin?
With something like bitcoin, many times it is better to get started as soon as possible, especially once you have figured out that you have discretionary income.
Now you might have a lot of messiness in your cashflows and your psychology, so you may well need to get some of those things in order, yet I would not presume that it mis necessary to get your finances and psychology in order prior to getting started in your investment into bitcoin, unless your situation happens to be so bad that you are not even able to figure out with any level of confidence whether you actually have discretionary income or not.
Even though a large number of people might have a lot of complications in their finances and perhaps even lacking in their abilities to manage their finances very well. Most likely an overwhelming number of folks should be able to tell you wether they have $100 per week or maybe $10 per week that they would be able to spare or throw away (meaning that it is extra and not needed to cover their expenses). When folks have really small amounts of extra income and a lot of disorganization in their finances, it is likely more important that they start out more slowly and that they also spend time getting their shit figured out, but that still may well not justify waiting rather than getting started right away with some small amount of discretionary income that can be figured out.
If there is no way to establish the existence of discretionary income, then those people need to make sure that they have discretionary income before they can start to invest into bitcoin.
Yes... if they have figured out that they actually do not have discretionary, then the should not be investing into bitcoin, because if they were to do that they would be gambling rather than investing. They need to be able to put the money into bitcoin and have a certain level of confidence that they are not going to need such money for 4-10 years or longer and also understand the risk that the amount that they put in could go to zero (meaning they could lose up to 100% of the amount that they put into bitcoin, so they have to be ready, willing and able to accept that possibility, and if they are not able to do that, then their finances and psychology is not ready to invest into bitcoin).
No it is not better to be slow. It is better to figure your shit out, and either you have disposable income or not. If you have disposable income, then it is better to get started investing into bitcoin as soon as possible and figure out some kind of a system.
Otherwise, if you figured out that you either do not have disposable income, then you should realize that you are not able to invest into bitcoin until you are sure that you have disposable income and then you can ONLY invest into bitcoin up to 100% of the amount of your disposable income, but if you are not sure if you have disposable income then you cannot invest into bitcoin. I would not call that waiting, but instead you either have disposable income or you do not, and if you do not have it you cannot (or should not) be investing into bitcoin, and if you are not sure if you have disposable income or not, then you are likely in the same situation of not having it.. because you need to be clear that you actually have disposable income in order to invest into bitcoin, otherwise you are gambling and not investing.
For some people there may be those who invest without capital, but for others or most people the main requirement is capital, on the contrary I have not found people who invest without capital, in my opinion, I do not agree with the absence of capital, because the slightest thing, the will or desire of a person can be said to be capital, to be confident.
This is why it is not good to be waiting and piling up your funds in fiat when you already have an additional income which you can use to invest in bitcoin without a problem and hodli for long. It is never risky because you started earlier than waiting, and you are on a long term bitcoin journey using DCA strategy which will reduce the risk in bitcoin investment due to its volatile nature. You should also note that the price that you are buying today, might not be the price you will next next year because bitcoin price increases overtime, and this is why the investors who bought early are in great profit. The cheaper the price the easier for you to accumulate more bitcoin, and the higher the price of bitcoin the harder it becomes to accumulate more bitcoin. Don't wait in poverty instead of fighting your way out of poverty with investing in bitcoin immediately you have the money.