It will be stupidity for anyone to act aggressively in Bitcoin accumulation, without a solid emergenc funds or financial balance as you have said. I think that is actually building a house without a foundation, and you and I know that such building will not last. It is not just in Bitcoin investment alone but it's applicable to other forms of investment. I also understand that there are scineros where someone can decide to invest more in a particular month and chose to invest less in the next month. No matter what we choose to do we must make sure that our daily life is not affected so we don't have to tamper with our investments before maturity date.
It is also not wrong if they act aggressively in accumulating Bitcoin because every time there is a decline, investors or those out there will buy large amounts at moments like that. Like at $20k of course many of us may act aggressively at that time and wouldn't that be to make the best of the downturn. Yes, every action is always thought out from the start of every decision they make and it could be that they act aggressively not at the start of their investment but have already gone through several stages and they do it at a higher level.
Fund adjustments must be thought out as best as possible so that chaos does not occur when our economic situation experiences a downturn at some point. Therefore, they have certainly thought about planning and saving emergency funds or untouchable dead funds. And in my opinion, whether they act aggressively or not, the important thing is that they can Holding and that is the most important thing at this point.