If you are afraid that BTC will fall to $ 3k you can sell it today and the price is still around $ 5.3k.

Of course altcoin will fall even deeper if BTC continues to fall.

All you have to do is don't hold BTC or altcoin, you only need FIAT or syablecoin to make it safer. BTC and altcoin have risks with high price votivity.

Don't panic too much, make sure your goals hold BTC or altcoin, if you do cutloss you will only waste your money. it's not good for you.