I think a good few of us can prove you can get into BTC early and still not be a $millionaire. Hell, I bought BTC on a $5,400 limit credit card when it was still ~$2.40. Still have that card maxed out from that, too. Blech.
Very good point. It's easy to look back and say if only I would have done this or done that but that's the beauty of life. Everyone that holds now will at least have another chance at it.