Well it is quite wrong to think that it is those that are struggling to accumulate bitcoin that will feel that they have accumulated enough. All investors have there investment timeline as regards the numbers of years they intend to hold there bitcoin either 5-10yrs or more depending on investment timeline which they can decide to be withdrawing profit from there investment after reaching the anticipated timeline. Also an investor can stop his bitcoin accumulation journey owing to health issues and also age can be a constrain why an investor can feels that he has accumulated enough bitcoin. So it is not financial constrain that can make an investor's to feels he has accumulated enough bitcoin. sickness, age, investments timeline and others factors etc
Yes, an investor can diversify his investment by selling part of his investment after reaching his goal. This does not mean that he is selling his investment due to financial problems. Everyone has his own investment plans and personal goals. Goals can include diversifying his investment or becoming dependent on something other than Bitcoin. Sometimes his age can be a reason for selling his investment or family plans can be a reason for selling his investment. If your successor is not qualified to hold or receive your investment, then you must have alternative plans. I definitely do not support selling your investment unnecessarily, because he or his successor should not have to regret it. Selling your investment is definitely an acceptable way if there is an alternative plan or if the situation allows.