I tend to counter in a different way:
YES, I knew about Bitcoin a couple of years before I invested in it.
YES, I could have made a significant return during that time.
YES, I should have investigated it further at that time, instead of focussing on other things.
YES, I made a risk/return analysis at that time, and felt that the risk of investing was too high, even if I didn't do my due diligence.
Everyone, at every time makes a decision to either invest or not invest in something at any point in time, even if that decision is subconscious. I can feel bad about making that decision, but I did make it. My risk/reward appetite just wasn't high enough.
YES, I knew about Bitcoin a couple of years before I invested in it.
YES, I could have made a significant return during that time.
YES, I should have investigated it further at that time, instead of focussing on other things.
YES, I made a risk/return analysis at that time, and felt that the risk of investing was too high, even if I didn't do my due diligence.
Everyone, at every time makes a decision to either invest or not invest in something at any point in time, even if that decision is subconscious. I can feel bad about making that decision, but I did make it. My risk/reward appetite just wasn't high enough.