Well that is appliccable if you have btcs that you've kept and it's the same as having some savings in he bank that you can actually dig into if you're in need. That doesn't really make it a desperate situation. I don't think anyone would have a choice but to ask for oyher people's help when things are desperate. Its just hiw you handle people's trust the first time you ask for their help that can really save you from a desperate situation
So that's what I was trying to say in my previous post that its always good to have some bitcoins in wallet which can be helpful at the time of emergencies as life is uncertain and anything is possible at any time so if you have saved enough money then you don't have to depend on others for money as you are not sure whether they will help you or not.