Then i think i would have selled my bitcoins and bought my debt of or cleared the emergency with the money i made from it and that is how we grow and invest again and start again that is how the world works with us.
Anytime you can get out of the money problem if you have bitcoin, for me I will always consider bitcoin as money since it's a liquid investment and anytime I can sell it for fiat. The thing is, if we are in desperate need of money then for sure we will not be able to invest since we have to prioritize our needs and we might even double time to earn big income from our job.
I am also in favor of keeping bitcoins for long time because of two important reasons. Firstly they are very good for making big profits, secondly we can use them when we are in desperate need of money and no one is ready to help us. You should be well prepared to meet your needs and misfortunes.