There is also one thing we can consider. What if we will hold BTC airbag in the form of a portfolio of staking assets?
Emergency funds shall be available in the form of hard BTC. You need immediate availibity for this and you don't want the price tanking because the altcoin crumbles. The only way that could have been possible is just-dice.com but it is closed sine diem because Canadian law.
The stabilization fund can be split into few parts. An
emergency buffer, in hard BTC, and a
replenishment buffer (we should not rely only on donations), in a set of PoS altcoins with a relatively steady exchange rate and volume. To prevent the price tanking each asset should be bought on the dips (the portfolio will be formed gradually). In this case the replenishment buffer can be urgently sold without a loss if needed.