I don't know if I understood the last sentence of your post. If one doesn't have an emergency funds, he wouldn't be able to invest and hodli for long because when a real life emergency arises, he will sell his bitcoin.

It's not compulsory for you that don't have a job or have a job but don't have a discretionary income from your income to get a cryptocurrency paying job because that will be rare and what is you don't have the required skills for such job. So it's better that we look for a second means of income within our local that pays in fiat to avoid the endless search of an additional means of income.