That's over $10,000 buying in now. It was over $22,000 a few weeks back. I dunno what circles you move in, but there really aren't that many people in the world with that type of money to throw at such a risky endeavour.
For all the thousands or millions of people who may eventually arrive in the market, 21 is going to be a pipe dream.
Yes, timing is everything. 10k is a decent sized investment, but in terms of investing (if you want a sizable return), whether it be in crypto, regular currency, commodities, stocks, etc, it is probably the amount you would need to throw at it (if you can afford to do so).
I guess it all depends on how much money you are making at your job/career, and how risk averse you are. I think certain lines of work make you lose the perception of the value of a dollar, and you become real easy come, easy go with money.