I actually suspect that I_Anime does not even have that good of finances in place, .. but I don't know, yet these would be the kinds of considerations that a newer guy into bitcoin would have to attempt to take into account and try to plan around so that he can control the amount that he sells or does not sell and to consider if there might be some price points in which it does not make sense for him to continue to DCA.. and either just to hold those funds or maybe put them into other assets.. which are all trade offs, in which some guys will just continue to accumulate BTC for more than a whole cycle before getting into any ideas of selling any BTC or even discontinuing their DCA... but part of the problem is reality.. and the reality may well be that the job of any newbie is not really paying very high wages as compared to the appreciation of their BTC (at least the appreciation that may not end up being sustainable)
While most people now make money for a living, there are few people who can earn some extra income beyond a job or fixed income. What you suggest is certainly valid, but most people by now think that cash is the only thing that matters to them. That's basically why they convert from all other currencies or from bitcoins to cash. Because of this they cannot implement any kind of plan, because the cash withdrawals are spent on life or livelihood.
Every man needs money for his living so man engages himself in various business jobs so that he can provide his financial support.Whether people have a job or a business, they have a certain plan to set aside or insure some of the money they get at the end of the month. People should understand that if they deposit their remaining money in bitcoins, they can make more profit from bitcoins instead of cash.