there is that people that will buy and use bitcoin . mostly they are business owners and they are using bitcoin to pay for thier workers or to pay for other service while most regular people will only prefer to hodl thier coins  .  if your own an emergency scenario that financial is needed and you dont have any funds to use then i think its better to use some of your coins , you said you have eth then go use eth first if those arent enough then use bitcoin  . cryptos can always be obtainable but your personal life is more important   .