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if not that we are not always truthful to ourselves, some of the things we call emergency situations are things we can cope with or figure out an alternative way of meeting them without necessarily going into using our emergency funds or worse of, using our holdings. But the thing is that because you have some reserve funds, the urge to use it will always come and even when you don't want to, it will appear as though you're hurting yourself when you have the means not to.
There is no how you would have emergency fund and something occurred suddenly and you start looking for other alternatives why you have emergency at stake. Earlier before now emergency was clearly stated to be something that is associated with life savings like maybe accident occurrences, funeral services or any other emergency needed. If it is not a life saving issues you can stick to your plan and look for other ways. But if it is a life saving matter you can use your emergency fund.
Like so many persons have pointed out in this thread, it's good to define what kind of event to qualify as an emergency one so you won't always run and make use of your emergency funds when an emergency situation hasn't occured and when emergency finally happens you're left with no option and your holding becomes the only option available.
Like i said in the first paragraph emergency is a life saving issues that happens so sudden that may include accident or funeral issues, if you notice very well you will you will understand that it is rear for emergency to occur. And you ma have accumulated enough emergency fund just like the way you are accumulating btc HODLing, that is why emergency fund may not be a little fund. Because emergency differs, it might be an Emergency of $100 $500 or maybe $5000 that why we must be setting aside each week or month a certain amount just as you DCA in BTC. So that sothat when emergency need arises it becomes easy for you. Sothat we will no longer be looking for alternatives else where. The only problem people face is the in ability to accumulate enough emergency fund such as they do in btc. The way we keep on btc should also be don equally on emergency because it is only someone that don't have enough emergency fund that will use some portion to solve other people's emergency proble and becomes difficult to solve his own emergency to the extent of selling his btc holding to solve such situation.
What I will advice us is that we should try as much as possible to always accumulate enough emergency fund, in other not to affect our bitcoin holding when we solve other people's emergency problem because emergency might not only be from your family but also to your close relatives who needed your help.