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.
You are right how we use cryptocurrency has changed much. Even though it started as way to send digital money without banks people now mostly use it to invest or store money because they see its value grow and its outside normal banking systems. Someone can sell their crypto in tough situation for emergencies which is showing that it is both risky investment and something that can be quickly turned into cash if needed. This makes crypto important part of managing money today even with its ups and downs.