Only people who can afford to risk with money intended for their expenses on bitcoin are those who view it as a get-rich scheme. Someone who is completely knowledgeable about bitcoin won't make that decision since they know what will happen to their investment if they don't intend to hodl it for a long time.

No one can predict the price of Bitcoin tomorrow, therefore anyone investing in it with money intended for their expenses should be prepared to accept whatever losses or profits they receive when the need for their investment in Bitcoin arises.