Maybe part of the point is that it is pretty fucking stupid to be spending your bitcoin if you are still building your portfolio, and so you are never going to get anywhere in terms of really believing that you have an investment if you are spending it... so you don't have to be rich in order to figure out some ways to make sure that you hang onto your bitcoin, you don't spend it, you spend other sources first, and if you cannot achieve that, then you are not engaging in long term investing..
I'm guilty of this, done this back when I was starting and my first big profit, I decided that I would spend it on other stuff that's not building in interest or grows in value and I would probably have more bitcoin that are on hodl right if I just wait spent only the a third of the profit in luxurious stuff and waited for bitcoin to go down in prices again but no, I didn't and here I am hodling and not minding the problems in bills and not eating out so that I can DCA and increase what I currently hodl and so far I'm having a blast seeing that my bitcoins are growing weekly in value and amount. I don't regret being a stiff on electricity and eating.
Personally, I consider an emergency fund to be necessary no matter if you have an income or not; however, the less reliable and steady your income, the more important that you have an emergency fund, a float and reserves, so even if you do not have an income you would draw from your float and your reserves first, and your emergency fund should be ONLY for emergencies, and the fact that you do not have a job surely is an emergency, but it should be one that any of us is attempting to resolve as soon as possible, especially once we have run out of reserves and float....
Thankfully I got a steady job so I don't mind not putting money right now for emergency funds, there's an social security that I pay quarterly in the case that I need more money for hospitalization but overall, I'm not planning to put that emergency fund anytime soon, also it's a good idea to live a healthy lifestyle, having more vegetables and fruit in your diet is a big help in building an immune system, remember that prevention is better than cure.
In the end, people can do what they like, but if they are too loosey and goosey with their finances, then they are gambling rather than investing, and even if some people like to live like that, they likely do have some ideas about how they are not going to run out of money, even if they are mooching off family and relatives for food and lodging, then someone is paying for that persons upkeep, so yeah in those kinds of circumstances, they are using their friends/family as income, reserves, float and/or emergency fund.. otherwise, if they are having to live off the land and/or engage in questionable behaviors to get value.. then those would be other ways that some people might be able to figure out ways to get money or to be able to live, and maybe even not having to sell their bitcoin if they are figuring out ways that food, shelter and other basics are going to be available.
Being irresponsible with your finances might be a problem but I don't believe that's an excuse because you can change as a person anyway and become someone that will be responsible, it just takes an iron will discipline and the ability to be consistent.