For example, if you run out of your emergency fund and you need more money, you can take help from the reserve fund.
You make little to no sense.
Why would anyone take from their emergency fund prior to taking from their reserve fund?
There should be an order and a priority, and if one has strong finances they may never need to even dip into their emergency fund for their whole life - 20-40 years or longer... if a person is getting close to dipping into their emergency fundx or if they have already done so, then there may be some signs of urgency, including that they have already exhausted any other backup funds that they might have and that they would use prior to dipping into their emergency fund.
Sure there are likely a lot of newbies who are not even used to having (or maintaining) and kind of emergency fund and/or back up funds, so likely their earliest of years of investing (presumptively into bitcoin), they are going to be getting used to how to build and maintain such backup funds and how to prioritize their usage, including figuring out how strong their financial status is or if they might need to start to curtail their spending in various ways if they are starting to get to a point of exhausting their reserve funds prior to even touching any emergency funds, which hopefully they will never have to touch...but yeah, sometimes actual emergencies happen (rather than emergencies that had come about merely due to sloppy cashflow management).
That's how they start mishandling their funds since they already decide to use their emergency funds for unnecessary things. If they are really eager to invest more then they should work for it to gain money for sure there are other opportunity out there that can generate them an income then they could use that money for investment. Emergency fund should be the least option for people to touch unless emergency situations happen and they need money to save their ass.
For people want to invest in bitcoin they should always think that invest only base on their capability and don't over invest, since this will put them at huge risk and most likely their investment would fail with this matter if they mishandle their funds and everything important matters.
But also maybe they are confused about the usage of emergency funds. That's why some of them think about using it when they really need money to invest more. Its good that there are people like you which correct the wrong assumptions of people so that every investors insight will be corrected in those situations, also thread like this where they can learn more knowledge about bitcoin investment.