Statistically Lump Sum beats DCA, time in the market beats timing the market. Lump Sum is ideal in a strong bull run, DCA provides downside protection; volatile or bear market. Since 1926, the US market has been in a bull market for 78% of the time and a bear market 22% of the time.

Other than the issue of owning a decrepitating asset, you have to factor in the loss of opportunity cost of using the money to invest in the market. The increased loss will come if you choose to also take out a loan.

I also can invest like my idol buffett-sama