Not everyone will be having that choice with them. I have dumped more than 90% of my Bitcoin holdings in the past 4-5 months. I am going through a very difficult stage, financially. I am deep in debt, with some of the repayments due in the next 3-4 months. Apart from my coins, I had only a few grand worth of equities as savings. So... I sold 90% of my coins, and 90% of my equities.