I regret that I didn't start buying bitcoin three years ago when I first heard about it. And I regret that I didn't buy 4 months ago when I first started paying attention to it. But I do not regret that I finally bought some a few weeks ago. It's been a crazy wild ride so far

Yes. Assuming Electroneum isn't a scam and everything eventually gets fixed, anyone can use the mobile app and "mine" it (it's referred to as a "mining experience", so I think it's more like a faucet, not actual mining). You do not need to have been an investor or own any ETN to do it.