Why this bull market has been difficult so far:
Because it rose too quickly, retail investors couldn't react in time and were afraid to chase, and when they did, it was at the peak.
When it fell, it fell hard; as soon as it dropped, people in my group said it was completely over, and there was no confidence.
A few around me who had contracts were liquidated without stop-losses, and they weren't even new investors.
It was hard to break even on altcoins, and then they dropped back down without warning.
In summary, there are currently more opportunities on-chain. So far.