Withdrawal can become a habit. Once you develop the habit of withdrawing either fiat or converting your crypto holding to local currency for use, It almost becomes so difficult to break.
Needs and wants/problems to solve with money never stop arising, how do you handle your withdrawal? Be sincere, considering that local currency is becoming less of value as the cost of things are constantly rising now, so much that the cost price today is not the cost price tomorrow. Is a budget still effective in your opinion?
Honestly, I never really found it that enticing to withdraw my cryptos.
But I can see why regular withdrawals can psychologically impact your willpower to hold coins for the long run.
Until crypto is the dominant unit of account for value, it's probably good to have regular fiat based cash flows coming in that represent a security in case anything occurs in real life that requires funding - so that you don't have to pull out your investment to fund that real life issue.