We've been here before, you are just making the whales richer, selling your precious BTC for pennies (crappy fiat). The storm will pass, hodl, or try to accumulate even more BTC, it's a great time to buy for cheap. We will make it this time too. Even if BTC goes down to $15,000 nothing is forever. Remember $20,000 down to $3,000? Been through that storm too. Remember, 1 BTC = 1 BTC. To the Moon!
But the question is that, how will you know the person that is buying the btc from is whale. Because you do not know the person that buys the btc. And also there are time one is in need of money very seriously so at that stage he has to sell it btc to solve the problem instead of going out to borrow and pay interest when he the money to solve the problem. Though, as for me, the two sides are good advice. Keeping it is good and selling it to solve problem is also good.