That's pretty much a given, unfortunately.  It's happened to me quite a few times, which is the reason I've never made any money with bitcoin.

If you have emergency cash, I'd go with that and try to replace that cash as soon as you can.  A lot of people fall into the trap of investing more than they reasonably can, and they end up in situations like yours where they need the money for mundane expenses.  Take this as a lesson to always keep cash handy for car repairs and other things that tend to crop up.

And hey, if it's at all possible for you I'd recommend ditching the car altogether and getting a good bicycle.  I realize that's not an option for a lot of folks, but owning an automobile can end up being a cash sink.  Gas, maintenance, insurance, and everything else just end up costing you a lot of money over time--and that's all money that you could be saving.

While that's certainly true, the market is still pretty bullish.  I do think the price isn't going to stay sub-$10k for much longer, and OP might miss out on some sweet profits.  I could be wrong, of course, but that's my thought.