I think looking at this time as the ONLY time to make money off a cryptocurrency investment is false for the following reasons.
Cryptocurrencies represent ideas. You are merely betting on intellect. There will always be an opportunity to make things better using blockchain technology... and thus always a money making opportunity for even the smallest of investors.
Theoretically bitcoin will deflate as designed.
People will continue to invest in good ideas and provide better and better alternatives to solve problems of the future. Altcoins will be how they are funded.
I see altcoins as a mismash of ideas/intellect/stock.
See my most recent post for further explaination. We are at the turning point. Nowhere to go but up.
I do agree that the bar has and will never be so low though.
RE: A wrinkle in the space time continuum and pitfalls to avoid for new cryptocurrency investors