No one can ever predict when a person will face danger. At any time, a normal situation can become abnormal. If there is no emergency fund, then he will definitely have to use his holdings. Even if he is holding Bitcoin, if the price drops at that time, he will have to sell that Bitcoin with loss. Because you will not get time to see how low or high the price of Bitcoin at that moment. If you sell with loss, then it will become an obstacle to the long-term plan you have made. As an investor, you may have thought that you will hold your Bitcoin for a long time, up to 4-10 years. It turns out that you will be forced to withdraw your investment within 2 years, that is, the long-term plan will be lost. Not only that, if you do not have emergency fund, you will also fail to take any planned decision. Which you could not have taken in a healthy state. Your investment may continue without an emergency fund, but it will not be possible in the long term. You can be at risk at any time and if that happens, your long-term dreams will be destroyed with in a moment.