Sure.. so what.. there are people who overinvest, and they don't know how to treat bitcoin like a long term investment rather than worrying about playing the price waves. Those are temptations that each of us have to overcome in terms of putting practices into place in which we make sure that we have long term accumulation plans that don't necessarily involve selling until after we might have already created a decently sized BTC stash.
For emergency funds, it is best to separate it from investing in Bitcoin so that it does not interfere with our investment plans. But there are also investors who use some of their Bitcoin to meet their emergency needs because their emergency funds cannot cover them. This is understandable because we often experience emergency needs that we must fulfill immediately.
It is not understandable to use part of your BTC as your emergency fund, unless you have already reached near or close to your fuck you status... but yeah, people use a lot of things for their emergency fund when they have not established a good practice in regards to their emergency fund, their reserves and their float... which should be part of any sound investment in which you want to choose which assets to sell instead of being forced into selling your BTC at a time that is not completely of your own choosing.
you know that the uncertainty regarding the gravity of emergency situation that might arise during the time we are still holding our Bitcoin is one major factor that might affect some people's budget on which amount should be kept out for emergency situation and that mentality that keeping up to 4 to 6 months of your earning as emergency funds is too much could sometimes put you in a situation where you would want to reduce the allocated amount for your emergency fund thereby exposing your Bitcoin holding to a possible touch in times of real emergency. real life emergency situations like health challenges and impromptu events doesn't really come with little demands and so it's damn necessary we allocate a good amount of funds into our emergency funds wish will in turn serve as a sure shield that will protect our holding from being tampered with when the real shit plays out
You've forefited the purpose of having an emergency funds the moment your holding starts doing the job of your emergency funds and that's going to only end up stagnating your portfolio and if you consistently take out a part of your holding to solve a supposed emergency that you should have earlier made adequate plans for, you will likely spend years and years accumulating your BTC but will never be able to stack up a good chunk of it. Part of what might help our BTC holdings is to treat it as an independent asset that's outside our control and by doing so, our plans and expense doesn't in any way brings it to the equation as a possible option to be considered when looking at a means to getting funds to sort out real life shit should there be a challenge that's more heavier than our emergency funds. And the truth is that if you've decided nothing goes out of your BTC holding untill you're able to stack up to certain amount and you're serious about it, even when a supposed emergency comes up to tempt you to touching your holdings, there will always be an alternative option that you have to take outside of your BTC holding and so I feel there is a lot that your mindset and mentality plays towards your holding.