If I needed money desperately, I would choose to sell my gold or sell some unwanted stuff. I hold shares as well and they can always come handy when I am in need of money and there are some users who pay in bitcoins for shares. It's a better investment. Taking loans is too risky and I avoid doing it at any cost.
yeah I also prefer to sell trinkets or sell my shares The most likely is to sell my gold because you do not have to wait for the price rise in gold. I could immediately sell it for a price of gold has been relatively high. You also do not need to sell your bitcoin if at that time was at a low price
For skills still the best if you have many skills you can survive without those stuff for emergency purposes like repairing cellphone i can offer my service every each neighbors and pay low from a regular price so that you can attract them to test your service..
That would be the worst case scenario. But I believe all of us have friends where we can turn to whenever we are in need. I am sure they can help you in your emergency and loan you some money. You can pay them up when you are thru the hard times and well and working again. Just be sure to work and not be a lazy person and rely on them all the time or else they will be tired of helping you.
I know it's not the same situation for everyone but most of the time, we'd have at least one or two friends that we can ask. Relatives too.
as long as I can do it. Helping them in their task is also a good way to earn. 
