Do you know you don’t even have to save your emergency fund in the bank, you can still create a different bitcoin wallet for emergencies, you can convert to fiat when essential to handle your emergencies.
As long as you not regret or disturb other people, it's fine.
Many people fall to either one because they regret for selling Bitcoin price at loss due to emergency needs, or they borrow someone else money with promise after Bitcoin price reach x price, they will pay back.
I would advise Average Joe should have emergency funds, not like you, because Average Joe can't being okay after selling at loss.