If I have managed to save enough bitcoins and if I find myself in desperate need of money then I will prefer to sell some portion of my coins even at the loss as it can be recovered again in future by earning them again.
You are not in a desperate need of money because you have bitcoins that you can use when you need money, a person within in a situation where he is in desperate need of money is he has no money at all or cannot afford to solve the problem with his money in his ownership.