Frequently the trade offs will depend on the particulars such as considering the fees, and many folks may already know folks who get into problems with their cashflow management, including their historically having had used debt to consume or even using debt to invest, but their investment went bad and maybe they were gambling with their investment money rather than really being prudent.  So then they may well have several kinds of debt, and some of them have higher interest rates than others, so usually there would be a justification to pay off the higher interest rate ones first, even if there might be some other attributes to them that are advantages, such as flexible payment options or that they are have very long timelines before they have to be completely paid off.  

Of course, if we are thinking about emergency funds versus debt servicing, the debt servicing has an interest rate, so there would be some desire to pay it off, yet we still might want to compare that to our investments too.. and with bitcoin we have a place to put value that likely will have greater than a 10% annualized return rate, yet any money that we put into bitcoin ends up being locked up 4-10 years or longer and we are not even guaranteed to receive the greater than 10% annualized returns that we consider to be likely, yet at the same time, we likely could put the expected returns into a probability calculator to help us to determine which debts to pay off first or to consider how important it is to have an emergency fund, when the emergency fund may well end up being 3 months of expenses in cash and the emergency fund is not likely to be earning any amount of returns, since it is in cash.  The purpose of the emergency fund, is of course, to be able to last 3 months or even longer during periods of uncertainty, and we might even have some other resources that we can draw upon so that we don't have to dip into our bitcoin investment, so the emergency fund might serve as a kind of quickie (and easy to access) resource that lessens the likelihood that we are going to have dip into our bitcoin at a time that is not of our choosing.. and maybe we also hold some stocks and bonds, and some of those could be liquidated too.. but if we run out of everything to liquidate, then out bitcoin might be our last recourse before we might end up homeless or otherwise suffering ramifications of no longer having money and/or no longer having anyone willing to pay for our expenses and/or to bail  us out.

Hopefully by inference I have addressed the issue of calculation, and sure sometimes there are priorities in regards to which ones to build up first, and surely a loan/debt that is 4-6% interest per year is way less burdensome than one that is 15% to 24% per year, so we should be able to see that there is a bit of justification regarding which debts to pay off first, and surely sometimes our emergency fund might suffer and/or our bitcoin might suffer.. and surely in these bitcoin sections of the forum, we are trying to emphasize on getting started wiht bitcoin, yet surely if we have ourselves in a pretty bad situation, our ability to start out aggressively on bitcoin or even to really shore up our emergency funds, we might be balancing with inferior circumstances and/or even dilemmas regarding which ones are more important to fix first in the event that we consider that there might be advantages to taking care of the most egregious of circumstances..