For me, it is better to convert currency into cash when it is for emergency, we all know that btc is risky and unstable. It is better to secure your emergency needs 100%.
Agree, it's better to withdraw some money for emergency, since you can't withdraw it immediately, and also bitcoin is volatile, when emergency comes the price might be low, it's really risky to save on bitcoin if you're preparing for emergency situation, it's better if you try and withdraw money in your hands or save it on a bank.