You absolutely thick a lot of boxes with your statement, I don’t think there is any situation that should force us to temper our emergency funds except for emergency and urgent needs that might put us in a situation or tempt us to access our bitcoin portfolio, I still think that is why we have our in come or having our reserved funds as well, but in a situation that we don’t have a reserved funds at that point it might jeopardize our emergency funds or force our hands towards our bitcoin reserves that is why we should plan to make all this strategies available. Practice actually makes this strategy possible.
To have a stable income is to be able to be prepared for the worst: the rest is up to the person in question, so to speak: how he makes sure he won't need his BTC reserves to cover up such situations, and so on..
Having a stable income is not the problem here, problem here is having the ability to be able to sort out your discretionary income from your cashflow, once one can be able to sort out his discretionary income and use to buy Bitcoin and also be able to grow his emergency fund, believe me such an investors can be ready for any unforeseen circumstances, if it finally happened.