I totally agree with you on this, Emergency funds are meant not to be touched but rather they are meant to foot the bills of unforseen circumstances. But for discretionary income one can decide on what to use it for, either for savings or what a view.but then most investors don't understand this principles and get it twisted so your point clearly state one save what remains out of paying their responsibility bills.
I firmly believe that the practice of having emergency funds, which entails putting money aside for unforeseen costs, such as auto repairs, bills, or medical bills, in order to prevent debt accumulation, has been very beneficial. This strategy has assisted numerous investors in successfully managing their money in order to reach their long-term accumulation objective.