but come to think of it, those little amount of money that you want to be keeping as savings why not use it and invest in BTC continuously becaus that money you want to keep as savings can also be called your (discretionary income) rather than keeping it in a bank as savings which will not bring you profit in return, why not use the money and be buying BTC and hold it for long period of time, no money is too small to be invest.
Even as an investor that I am, it is also important to have a little savings in the bank for emergency purposes, if we use all our income to invest in crypto, what if there is an emergency that requires money to solve it? How do I go about my daily expenses if I don't save a little from my income? As an investor it's important to recognize the importance of saving in bank too to avoid dipping hands into your investments at the wrong time. I am an investor and I also save little money in the bank and that's how I have managed to strike a balance between investing for the future and maintaining my daily expenses.
Why not keep it in crypto even if it is emergency? Just because it may drop? I understand crypto prices are volatile, but if you keep it in bitcoin, then you could have a potential to make a lot more money. So you consider 100k going down to 80k and you lost money, but what if you invested at 20k and have it at 80k now? That is four times bigger emergency investment. This is what we should be looking into, not other way around, if you could do that then you are going to end up with a great profit.
I understand the "fear", but if you do not fear that your investment towards bitcoin would be zero, then you should not fear the fact that bitcoin itself could be a good emergency investment as well. This is a very good investment, for any reason.