Yes, absolutely. But I’ve learned to keep enough fiat to meet 6 months of expenses and then never have to worry about selling any of my bitcoin. If shit really hits the fan I’ll loan it out for some dirty fiat but this shit is never touching an exchange 

 Yes, that’s a nuance to it. If you earn in fiat and have upcoming bills/expenses in fiat, then keep enough in fiat for the next X months.