I'm sure you did not read my post insightfully, even the subsequent ones have successfully explained all this. Having almost all my money in BTC or other investments does not stop me from accessing them when I need them. Despite that I have other investments aside from Bitcoin, I easily exchange my money from BTC to fiat in a matter of fewer than 10 minutes in most cases. So, if I need money today, I will definitely convert, it is as easy as that.
Also, the $100 you underlook is big enough to sustain me and my family for a week in my country if there is no celebration or buying something that requires more money, which happens rarely.
What this means is that you keep all your money in Bitcoin and in all your fiat banks there is no balance up to $100.
If so, I really appreciate what you have done because you can confidently and be able to store all your money in Bitcoin or other crypto.
It is very rare for an investor to be able to save all their money in the assets they are investing in. The average investor only invests 50-70% of the money they have.
A little advice from me to keep and always save your assets in Bitcoin because surely one day you will get very valuable results from this storage. If there is an urgent need, it would be better to attract investments other than Bitcoin.