Respectfully disagree. Once you pass a certain threshold of conviction, it becomes quite easy. I could see hodling well well into the future, and tapping my stack for a loan should the need arise, once that type of product matures. 

 Sell? No clue, not much would cause me to go that route unless there were zero other options. Catastrophic medical issues could potentially push me towards a bitcoin backed loan. I’m sure there are other scenarios, but not many. Since finding bitcoin, materialism has really faded into the background. I still want things, but the desire isn’t as strong.