There are still a lot of people who confuse saving and investing. Many people say that instead of saving in fiat, save in bitcoin, and that is a misconception. Bitcoin is very volatile, and if all our savings were put in bitcoin when bitcoin was worth $69k. And we need those savings for emergencies, and the bitcoin price has halved, meaning we'd have lost half of our savings if we used it immediately. Are we brave enough to use that bitcoin?
Saving is more important than investing, and when it comes to saving, we should think of fiat or a savings account in a bank, not a highly volatile asset like bitcoin.
Exactly, if you put more with your savings and emergency happened the money can freely use without any regrets, the example you provided is reality that we can experienced when we invest with crypto, the volatility can't give us any assurance that we can earn money, it's a matter of how you established your trust with particular asset that you bought and hold.
And same with using spare aside from your save money in your fiat account, spare can be store long time without any hesitations, you can keep it till it reach the target that you want to sell your assets.