You do not need to have millions before you can invest. Just like what savings is to a regular fiat bank, that's what HODLing is to BTC investment.
This is a good plan actually. Here the risk intake is also less and perfect for the beginners. If you are a beginner your first motive should be to not make losses, rather than making profits. If you master the art of minimising the risk, then automatically in the later part of time you will make profit. But as a newbie your sole motive should be to learn and see how market fluctuates. Holding Bitcoins with some good amount of money can be the best thing.
It is clear that bitcoin is the recommendation that I always say. If we can hold it firmly then believe that it will bring us profit. The strategy used will also vary, but what I do is with the DCA strategy.
The problem I often hear is that those from beginners sometimes say they don't have that much money to buy bitcoin, they think buying bitcoin should be according to the current price (buying 1 coin right away), but that's not true at all.
I agree with you but I always say, for everyone there's always an entry point into the Crypto space. Some entered by following a hype of a particular token that profited others within a short period and they FOMO in. Whether they made profit or loss themselves, that's for me an entry point into the space. The problem is if they choose to remain at that level. So you see different people grow from whatever entry point they had to becoming experts and big investors.