I do agree that some reasons can push you into selling your bitcoin, but from all those reasons probably having issues with your health, lost of the source of income, and having issues with government are the most particular reasons for someone selling their own savings/bitcoin. In my case as long as it isn't related to health of issues with the government I wouldn't sell my bitcoins and hold it as long as possible.
As for me, Bitcoin is not intended for forever holding as I consider having Bitcoin just like my saving so every time I wanted to sell them due to some important reason, it was there to save me and fill my needs. And OP has that kind of view, they'll never think about taking a loan and making debt but rather use his Bitcoin. May some people saying it was wrong decision but at least he did what is best for him than committing debts which in fact, there is an option for not doing it.