At the end of the day, it's all a matter of choice and if it's the last resort for us to survive, why not.
Having difficult conditions in the economy and being pressured by several factors such as inflation and the current recession that is starting to get closer then indeed when there are still reserve funds or investments why not use them.
But it is certainly the last choice because if we feel that we can still get through it then it would be great if it is not used but if the difficulty of the reserve fund is the right thing to use but if it is still not covered then the funds from the investment may still be used. rather than looking for other options such as debt it would be better to take advantage of the existing ones first to support our needs.
i agree with you, it all depends on the choices of each individual and not all individuals are in the same condition. whether it's using an emergency fund or selling assets, the most important thing is that we can think clearly to take a risk on one of the available options and at least we can survive without having debt, it's not very wise if we still have emergency funds and assets but we debt, it will add to the burden of life.
back to the topic the OP made, he wants to cushion the impact of the economic situation. actually we can't argue further because the OP explained the situation is too general and it all returns to the OP's choice because he is the one who will take the risk and only he knows how much the emergency fund and the value of the assets he has.
one more thing, i think it's also important to do a little to help deal with the economic crisis, namely by reducing your lifestyle or being more frugal.
Good point, while you can do it without debt then don't make things harder and continue to use what you have because if you try to do it with debt then it will be difficult for yourself in the end.
Maybe some consider taking on debt to slow down the economy in the hope that the economy will be better in the next few months but that's the positive side and we know the possibility of negative conditions is actually much greater than the positive side when trying to take on debt.
Like I said before, it comes down to individual choice for the person who is feeling it. I think people here are mature enough to deal with life conditions and they know what to do so for that matter despite some good advice, the conclusion and the choice of path is still back to the OP.