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).
A lot of newbies don't care about learning and understanding how Bitcoin investment works and what needs to be done financially to secure there investment, a lot of people feels having a strong backup funds are not really necessary and a lot of people don't even know if the reverse funds should be used first or the emergency funds.
It is very important to understand the financial system it helps to prevent ugly occurrence and mostly especially one's financial strength, a lot of newbies really do not care about learning and understanding financial security which is why they fall into mess, one needs to do research and try to learn something's and that is what has been helping me since I started this Bitcoin investment journey.