I totally agree with you sir JJG and of course backup does not guarantee that our bitcoin are going to be safe, rather the amount we have in our backup fund will determine the safety of our bitcoin. as an investor even if you decide to set emergency fund aside so far as you don't have a reasonable amount in your emergency fund there's all possibility that you will definitely touch your holdings, because there are some issues that can consume all the money you set for emergency and it won't even be enough to sort it out, at this point one will be left with no choice than to dip your hand in your holdings. Most guys have this strong believe that thier emergency fund is due to solve whatever problems that might come thier way, and of course this should be everyone's pray point, but the truth is that we can't tell for sure which is why we need to ensure that our emergency fund is well loaded just for safety reasons.
Emergency funds and reserve funds are needed for the smooth running of our investments, we have unexpected expenses in our lives so preparations about money distribution strategies must be considered as well as possible.
The need for money when you don't have a job is certainly a very sensitive matter, meaning if we don't have reserve funds of course we will make a mistake by selling our assets only for needs within 1 month before we get a new job.
Emergency funds are the final stage funds that we use if it is only one of the requirements to cover the cost of living. People think that investing is quite easy but that is also true but the hardest thing about investing is maintaining / Holding assets for a long period of time.
Maybe that's not the hardest way for some people who have permanent jobs or passive income every month or guaranteed like those who work in government. However, for some people whose jobs are not permanent or contracted for 3 or 6 months, they have to think from the start about investing to prepare reserve funds and emergency funds. Is this important of course it is something important to implement so that our planning can run well without any unexpected fatal errors.