If there are no big expenses, then there may not be much savings, and in extreme cases it will be possible to sell part of the investment. It may not be good, but bitcoin can rise and we will get more money, and this will only be if we need a lot of money, but often small savings will be enough to cope with current issues.
What you say is very different from some of the cases that I have found in my environment so far, where some people are able to make big savings because they don't make bigger expenses so that any income they get every month can be directly saved with a larger amount than they will use for consumption every day.
But if what you're saying is to save Bitcoin so as not to sell it at a lower price, I think it would be wise for everyone to look at other options if they want to actually hold Bitcoin for the long term and don't want to spend it on a whim to fix a small problem. Because it would be very unfortunate if they had to sacrifice Bitcoin just to solve problems that are not so complicated in their lives.