In my opinion when the market is down like right know Im not going to spend it my crypto unless using if for daily purposes like withdrawing the crypto for a monthly bill. the best time when the market is down is to accumulate more coin and token stake it and enjoy when the bullish month coming.
As long as we are able to meet our daily needs I think there is no reason to spend the assets we have.
I think it's quite naive if we really use it in the current conditions even though it's possible that someone's needs are different but I personally always try to hold it in as long as I can handle it with my finances, I will never spend it.