Even the most loyal holders have life situations in which you are forced to hand over or spend what you have saved. People have always hated to part for example with gold, but they still spent/exchange it on what they needed. Speculation on bitcoin valuation in dollars - buy cheap, sell expensive - this is another area of asset use. If you save and in some way spend prior on your family needs and health, then this is exactly what bitcoin/money is needed for. But it's not about the selling price, feel me?