Is it too late to jump on the crypto/blockchain bandwagon?

Ask a better question. What part of the bandwagon? The speculation side? The creating side? The integration/institutionalization side?

My answer- no, not too late on many sides. Even from a naysayer perspective, there are lots more greater fools out there.

More likely too early- participating in ANY part of crypto involves an ENORMOUS amount of risk.

You probably won't wind up dead in an unmarked grave, as have 99.9% of pioneers in human history, but being broke/in debt is very, very likely, and for many just the opportunity cost of the time spent will outweigh the benefit of the learning.

Nevertheless, for a small fraction, the riches will pour in, many, many more than have so far.

Only you can decide how to spin life's wheel.

Best wishes.

no.

you have to get in so you can tell all the future crypto billionaires that you got in, you're in, and that's all that matters, because they're just trying to 'tut tut' you for not getting in, or not getting in earlier.

and when they ask you _when_ you got in, be vague....but act like a billionaire -- "well, let's just say i'm doing ok."

:-D

It's never to late, I believe as Web3 pickups steam and we get a decentralized internet there will be a lot of activity in the Cryptospace.