^ I agree with that, for me, emergency funds are for real-life situations, which cannot be avoided, and that needs urgent attention.
Everybody can experience such a situation, and everybody should be prepared for such an experience.
Are you just knowing that an emergency fund is for real-life situation all this while, there is something i want you understand, before you can buy or invest in Bitcoin you must have a discretionary income and this discretionary income is fund if you lose will not affect you much and which Bitcoin is beyond you lose all your money that you investment, since you have a steady cashflow you will always have plans for yourself outside Bitcoin investments, and which the same thing you should do when it comes to Bitcoin investments to avoid touching your holding incase if unforeseen circumstances occur you can make use of the emergency which no one is praying for it to happen but we just needed to plan ahead of us since no one can predict the future.
Steady income => steady investment process => good chances that you are going to be okay if the trouble eventually hits.
And, yeah, future cannot be fully predicted - only be prepared for at least to some degree.