My guess is anyone who has an investment in bitcoin without having an emergency fund in fiat, then sooner or later they will sell their bitcoin. At least 20% - 40% of the total investment budget must be saved as an emergency fund, this will definitely help them if an emergency occurs.
I am not sure if there is a need to set aside any kind of specific amount (on a regular basis) in order to maintain your emergency fund, yet there are a variety of ways to assess whether your emergency fund is enough, including some kinds of considerations that if your cashflow were to dry up for six months could you still survive?
So far I haven't been very strict about setting aside an emergency fund and I can tell you it's pretty flexible from one month to another. I mean, the amount can vary as the needs that I have to fulfill each month increase or not. But of course I wish I could put it aside every month as long as I have my salary paid out at the beginning of the month even if it's only a few percent of the amount I've managed to save. Part of it I think is good for investment, and part of it as an emergency fund.
My cash flow has been good because I have a salary based job. I'm thankful that bitcointalk gives me an additional source of income even though it won't be mine forever. As long as I can manage it properly and don't interfere with each other between expenses, investments and emergency funds then I will do it. But in advance, sorry for the slow response.
Ultimately we are in charge of exercising our own judgements, including needing to take responsibility if we screw things up, and whether or not others are hurt from our mismanagement of our finances is part of the process of taking responsibility, hopefully learning along the way and hopefully improving our practices along the way.
Yes, we are responsible for all the risky or possibly profitable decisions we make. It's just that we always hope that it will only lead us to always be on the good side financially without forgetting the risks in the practice.