yeah you are right, not having an emergency funds is like opening a gate for the urge of one to always tamper with his investment. That why one need a good sources, Inorder to accumulate bitcoin and  same time have some emergency (in covering expected or unexpected expenses). Because having emergency funds would make your accumulation more effective without ever thinking of withdrawing your investment when is still premature or haven't gotten to the point of taken  profit .

In scenario of one not having an emergency funds, when there's is an emergency that requires money to be solved (mostly unexpected emergency), one won't be able to fight or go against that urge of tampering with his investment (bitcoin holding) , so he would have no option rather to run to his investment (in the place of emergency funds) , that why one need to work harder inorder to secure a good sources to be able to accumulate more quantity of bitcoin efficiently. And same time putting aside some funds for emergency purposes. So one need to know that accumulating bitcoin ain't easy , it requires principles, determination, dedication and some other stuff related,
But one thing is for sure Bitcoin always finds the way to make all your efforts worth it.