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You've raise quite a solid point here. I agree that it can be pretty difficult for folks who just started out their financial journey to know how everything works, especially when they're just building their backup funds, that thing line between the emergency fund and the reserve fund can really get blurry. Theoretically, it's way more easier to distinguish between them, but practically, the unpredictability of life can sometimes mess with those neat desperations. Several factors such as unexpected expenses, underestimations, and even an irregular cashflow could potentially force someone to tap into funds that initially intended to keep away purely for actual emergencies.
This is true, starting out can really be very challenging since you'll have to deal with having money and mentally detaching from perceiving it as spendable for your wants but saving it for real emergencies and other needs that may arise before your next income arise.
I've always desired that emergency fund should be treated separately from other variances reserve funds because of it's significance. And I prefer to keep it in a separate bank account and not mix it up with the others. Newbies can tend to make lots of mistakes in handling their cashflow for a significant period of time but with consistent practice and as they advance in their accumulation journey, things started getting clearer and they start handling their cashflow better, so they don't have to run into the issues they've encountered with separating concerns when it has to do with being specific with the nature and usage of various backup funds.