Bitcoin always been about speculation. I know plenty of people who got in while it rose to $12,000-$15,000. For a presided analyst, requires constant observation of the on-going graph with back to back buying and selling transactions.

 J.P Morgan Chase, Bank of America and, several of the largest banks in the US - populated by more than 323.1 million-  have took steps towards blocking credit card purchases from Coinbase - a user friendly platform to buy and sell bitcoin -  making it harder for people to "get in and out" which has resulted in less transactions and less investments in bitcoin causing it to plummet to it's current rollercoaster state.

 Throwing a huge chuck of funds in any crypto-currency for just a single transaction is not an investment, but increasing the volatility of your savings backed up by speculation.