To people in the US - Is it hard to become a wholebitcoiner

As someone from a country in Asia, I've found it incredibly difficult to become a "wholecoiner." I often wonder if it's just as hard for people in the U.S. to achieve this goal.

The U.S. is one of the richest countries in the world, and many people there can earn high salaries. This makes me think that for many Americans, getting a whole Bitcoin is simply a matter of deciding to save and invest. Is this a fair assumption? I'd appreciate any insights.