well i think you are not still getting my point correctly. lets hypothetically presume that a person invested into bitcoin for retirement purpose starting from age 30, having the mindset of accumulating 2 to 3 btc or less  in the next 25 years [55 years retirement], then it somehow happens that at age 40 such person was out of job, but that doesn't mean that such person will immediately have to sell his bitcoin to survive while he hasn't yet met his target which he still have 15years ahead. in this case this is when your discretion income will have to play it role to sustain you till you get another job. if discretion has been spent while you have not yet gotten a job then your emergency fund will be your second hope. if emergency and discretion or backup funds has all been used and there is no other hope then selling some portion of your bitcoin investment will be your last alternative. so all i am saying in anticipation is that when you are out of job, selling your bitcoin to bail yourself out should not be your first priority except you run out of emergency and reserve fund before you can think of selling some portion of your bitcoin and not all.

this whole concept is all about developing the habit or attitude to make provision of emergency and reserve fund in case problem comes so that selling bitcoin shouldn't be the first thing on your mind, because you have a long term plan and the sole purpose of why you need bitcoin investment at the first place is not to sell too quickly but for retirement purpose.