Totally agree with you, You spoke my heart. accumulating Bitcoin is very necessary to stay wealthy in next few years but if you did not spend BTC on those things you need then its it is to put your life in torment. Life has no guarantee and we should hold only if we have extra money. In other case we should spend and wait for time to favor us and we will accumulate again when our money more than our need.
There are several ways to manage it, and because of that we can hear discipline's knowledge about Asset Management, If you don't know how to manage it, you will spend your bitcoin and exchange it with fiat. ~
asset management is a methodology for efficiently and fairly allocating resources among valid and competing goals and objectives ~ (Danylo dan Lamer, 1999). So, bitcoin is the future, we are necessary sure bitcoin make stay wealthy in the future, but if it's urgent and forced to sell it (if have asset management) we can't force to sell it all.
https://www.fhwa.dot.gov/asset/dataintegration/if08018/amdc_03.cfm