At the end of the day, cryptocurrency investments are called "investments" for a reason- you cash out whenever you feel the need to use it.
The purpose of investments are to receive returns in a given period. Additionally, you can also consider them as storing money that could either increase or decrease in value depending on the market fluctuation of its price. But you should always treat your investments as stored cash whenever an emergency arises financially.
I mean, what's the point of still keeping your investments stored when you are experiencing financial and economic crisis at your end? That is the reason on why some people invest short-term in BTCs and take advantage of its volatility in the market.
Financial management is really important for everyone. Well, cryptocurreny isn't made for that purpose in the first place like for investment or storing money and yet, because of the people who use it that resulted for cryptocurreny as a means of investment for earning money or for storing money. As for the crisis situation, it really depends on the person either it's really important that they have no choice but to cash out their cryptocurreny for emergency and such.