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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.
I get your point but discretionary income isn't necessarily money you can afford to lose without it affecting you. It's just funds you could use anytime for anything without sourcing them elsewhere. You don't necessarily need this discretionary income before starting, It is something you could build along with your investment.
Also I don't think the OP mentioned 'cash flow' and I believe you meant steady income. I know it's important but if someone lacks one they can still start with the little they have or can afford to invest. Then they could try other measures like getting a new job instead of waiting until they get one.