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I think in this case they were talking about health ground. There are some health challenges that will come your way, that is capable of consuming your entire life savings and you will still sell properties and borrow money just to save a life. In scenarios like this, you will find out that your saving that's supposed to sustain you for 3 months kept in your emergency funds and reserved funds won't be enough to carter for the financial burden needed to restore the health of the sick patient. So it is not paper stamped that emergency funds that is capable of sustaining you for 3 months will be enough to handle all the challenges that might come your way. And health ground is valid reason that can make an investor dip hands in their investment in order to save a life.
Health or age can be reasons to deplete your bitcoin investment, and frequently we are talking about health reasons of the investor not someone else, since the health of the investor contributes to an inability to earn income and extra expenses, and sure there could be any reason that expenses go higher than expected and even the health of another person could interfere with the investor's ability to earn an income and to pay for all monthly expenses that include all the basics of food, lodging and utilities, but also there could be extra expenses that come from the health condition of the investor or perhaps an immediate family member over whom the investor is financially responsible.
Good health is what we pray for while making investments because nothing hinders one's success in life to health issues either to an investor or to an immediate relative or family member whom they are betrothed to. It is a sad experience to spend so much money on health related issues, it can even lead one to depression but taking care of one's health or others do not mean they shouldn't keep some money for other life's needs such as food because everyone needs food to be energetic, if they spend all money on health issues how will they manage till the health issue is gone. This is why it is good to always go for medical checks from time to time to avoid an ailment turning into a serious sickness that will consume a lot of money which will demoralize one's interests from continuing to invest in their future.