Saving is one of the options available to a income earner. These savings can be left idle in banks yielding minimal returns, which is not the best. Investments in ICO is recommended.The higher the risk associated with a venture the higher the returns. leaving money in fixed deposits is not the best.
I think Since you can not imagine what could happen, it's better to keep your emergency fund where you can touch it physically. But it's also not good if you redeem your savings into several types of currencies that have high depreciation rates. So you should be wise with your savings.
I kind of agree with you as an emergency savings should be put in a place where there is no risk and you can easily use it anytime.