This is why stability is mute point, it is mandatory to have enough excess money to invest into crypto, but that could be unstable and unpredictable as well.
If you have excess money then you never bother about stable income (at least in short term) hence in my perspective, financial stability is not only dependent on your regular income but also dependent on your savings and investments. Overall, we can conclude that we are financial stable when we are able to rise some big money on requirement without going for loans or anything similar to that.