if I need a bitcoin, I would buy, and if I need money, I'll sell it, but my experience, finding and collecting a free bitcoin is fun, and if so needed the money can be sold. For financial issues, of course, everybody will not be ready, so all must be prepared first, in order not depressed.
I see many people here were never really desperate. Even that hunger is nothing when you see your hungry children crying. If any fianancial issues happened they will get depressed only They would not be in the mentality of preparing.