That's the point Buddy,we cannot continue to eat our cakes and have it back . Some investors are fonds of dipping hands into their bitcoin portfolio with the mindset that it will appreciate back, that's bad. Such an investor is not helping his investment to grow in anyway. Tampering with his stash shouldn't be his last resort even after every other option has failed.if he has a good management plan and better cash flow,he wouldn't be thinking of tampering with his stash in the first place and for whatsoever reasons. I think this where his Emergency funds and reserve funds plays a critical role when situation rises to protect his investment from bad occurrences .An investor Bitcoin stashes shouldn't be tamper with rather it should be held for the longer term as it could also serve a greater purpose after retirements.
Let us be sincere to ourselves there can be reason why an investor can tamper with his stash and not the way you are making it look like, it has been a good and encouraging practices of ensuring the provision of an emergency funds and reserve funds to be made available for their specific purposes for anyone investing in to Bitcoin and if it happens that it is a health issues where they must have make use of their reserve funds first followed by their emergency funds and the issues still remain unsolved and they have completely gone out of the back up funds then there is nothing wrong tampering their with our Bitcoin at that point in time, you can't completely say it is wrong to tamper with our Bitcoin for whatsoever reason.
Honestly, not all life is in black and white. Life has its own twists and turns and there are times when you have to take a dive into your stash. Although it is best to think long term and use emergency funds, not all people can have that pattern available. The key is intent and discipline, when someone pulls out of his or her stash with express purpose of recuperating and not as a habit then it may still be reasonable relative to his or her situation.
I don't agree and I can not be in support of taking some of our investment to settle problem that is am improper investment plan because an investor is meant to have a back funds which include emergency and reserve funds, these are funds that is suppose to be used to settle any issue or challenge that will arise and not our main investment whether you are doing it to recuperate back it is not a good investment plan, so long as you haven't gotten to overaccumulation stage you shouldn't touch your investment. Once you have a source of income that can manage your investment and you have a very good plan everything will definitely work out well unless nature don't want you to...