Such people would try to accumulate and save money in fiat so that they can buy in lumpsum once they see a reasonable price, but this isn't an effective way because you would barely be able to keep that money without spending it if there is a need or an emergency. So it's better if someone invests the money in portions instead of waiting for a specific time.
Depending on each person's strategy, those with knowledge of technical analysis and market data will choose to buy when BTC reaches their desired price instead of DCA. And not everyone spends all their investment money like you do because no matter what investment method you use, you need to be clear in managing your capital. The amount of money for investment and the amount of savings and daily expenses must be completely separate. If you can't do that, even if you own bitcoins, you'll still sell them if you don't have emergency savings.