A speculator buys $BTC at $70,000, hoping it will pump to $80,000 next week to take profits. When the price dumps to $60,000, they panic and cut losses.
An accumulator, on the other hand, views Bitcoin as digital real estate. If the plot of land you like drops 15% but its location remains prime, would you be excited to scoop up another piece next to it or freak out and sell off your current holdings?