If you can afford to loose 100,000 naira every month to buy Bitcoin in your DCA strategy after 10 years the total amount can no longer be what you can afford to loose. So does it mean that if Bitcoin were to crash by then it won't affect you because you were using amount that you could afford to loose to accumulate it?
100,000 is such a huge amount of money for someone to say that it is what he or she can afford to Loss especially when you keep buying with the DCA for decade you're getting about 52,000, 000 million naira, Obviously is no longer what you can afford to Loss.
We are talking about naira here which has devalued so much over the years not dollar that 100,000 is a lot of money today. 100,000 naira is quite big for savings or investment but I believe that most average income earners in Nigeria today can afford it. Lastly 100,000 every month in 10 years is not 52,000,000. Lets do the maths 100,000 × 12 = 1,200,000. 1,200,000 × 10 = 12,000,000.
But what makes you think bitcoin will crash then? Come on you have to be positive and stop being negative because what you're saying here can probably make most people to start feeling kinda way.
I'm quite positive that Bitcoin will reach $1,000,000 sometime in the future but you should also have it at the back of your mind that it might not happen. Bitcoin is decentralized and nobody controls the market, if it crashes in the future you cannot hold anybody responsible. I believe this is the main reason why it is said that you should use amount that you can afford to loose to buy Bitcoin because nothing is guaranteed that it cannot crash. I believe in the potentials of Bitcoin and I know you cannot stop anybody from selling theirs so what happens if most whales decides to offload their Bitcoin?