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.
If I will choose, it’s better you go for emergency fund, because as the name implies it’s for the sake of emergency, but if you think it’s better you sell your assets then it’s still okay, both the emergency fund and the asset belongs to you, as long as any one you use is going to solve the problem then you can use it. But just make sure you are not taking loan to solve problem when you are having emergency funds and you are still having assets which you know you can use. Some people are really used to taking of loan to solve problem even if they are having money to solve the problem, they will prefer to keep the money and take loan to solve the problem, which I don’t really think it’s a nice idea.
Everything would really be needing that extreme consideration on thinking up whether it would really be worth on such decision or not because there are things which we do make up some rush things without trying out to
reassess on what are the pros and cons on such decision that it would be taken.If you do really be able to find out and having those analysis that it would really be something beneficial then go ahead, but if you cant
really be able to bare up with the risks then better skip and dont bother yourself on doing such thing. If we do speak about crypto investment then it would really be that wise on using up emergency funds but
dont go all in because we know on whats the main usage of these funds on the first place in speaking about emergencies.
Selling out your assets is never been that ideal specially they are making or generating some income which you could really be able to make use for your investment means. Therefore, its not
really that recommendable on doing so.