My take on this is that, when you are in a Bitcoin investment or any investment for that matter, I would really suggest for you to have a separate emergency funds, with this funds you will have a peace of mind that no matter what happens you have something that you can use, and it is also a smart move since you will not do anything that is not part of your course of actions for your investments, right? No need to sell even if the price is so down because you need money for school or for medical emergencies. When you have your separate emergency funds, you can avoid hassles like that.