The only thing that can resolve our emergency needs is money. As I have mentioned, it is easy to say that I won't touch my BTC holdings if any emergencies arise, but it is hard to do if you don't have any side income or any other source to assist you in resolving that issue. This happens to me many time. I tried my best not to sell part of my holding, but the situation forced me to do that.
Truly is only money that can solve our emergency but in most cases over aggressive accumulating can lead to lack of funds were as an emergency that needs money could come out and at that time your left with no money to solve the problem because you have spend all your funds on accumulating, as such you maybe left with no option but to sell off some of your Bitcoin and at that point it could be that the price is a bit lower than your entry point so you end up losing which is a wrong strategy for investment, so this is one of the reason why DCA strategy was introduced because of scenario like this, if you had use DCA strategy you would have not gotten to this stage it would have helped you on risks management as such allowing you to be accumulating a bit by bit with a small amount of dollars while you save the remaining ones for emergency like this and by that time your investment is safe.