Relating this to real life experience when a friend accidentally hits another car with his car ,causing damages to the person's car and physical bruises to the person ,he was been held captive and asked to repair the damages car he hit and treat the person as well by paying for the hospital bills ,he didnt have any physical cash and even had an empty bank account.after been pressured and threatened with the law enforcement which will make him face the law and spend some time as punishment for his carelessness, he was saved by is crypto account which he had some few balance is his wallet ,he had to convert the crypto into cash to save himself from the menace. The matter was cowled from escalating into a serious one ,when he payed for the car repair and hospital bill, rather than facing the law ,being fined ,still paying for the car damages and the hospital bills .the crypto balance saved him.
that's just a small sample. When your friend doesn't have FIAT in an emergency situation, of course it will be a problem. and then remembered the crypto account he had. But why does he only keep it in crypto, is it for long-term investment or has he not made any disbursement yet.
It's better to have some liquidated into Fiat and some in crypto, so as not to interfere with the investment being made.