for the rich, I think they can do that. however, I agree that when we hold assets in the long run, the first hurdle we face is the daily needs we have. however, it is very difficult to stop, and encourages us to sell our assets, even at low prices. What's worse is, when we sell the assets we have, the price goes up.
Holding cryptocurrency is easy and it not about been rich, it about human understanding and discipline between financial needs and saving. However, having the thought that you kept some coins somewhere is the reason why you later sell it but if you stake such coin for years if you can hold it by yourself that will solve the problem.