Seems like you're referring to liquidity shocks brought on by downturns, and the importance of having a fiat emergency fund, much like is suggested to tradfi investors so they're not stuck liquidating amid a bear market.

While this isn't awful advice for someone who doesn't have much savings yet, once you get over the hump (like, realistically one cycle in if you're stacking much), assuming you're not also diversifying to traditional investments, the gains of going to a bitcoin standard rather than holding fiat start to outpace the downside losses of selling when the market's down.

Figuring out your ratio is something everyone needs to do for themselves given expenses and liquidity needs. But when that $50,000 emergency fund is still only worth $55,000 after 4 years, and the bitcoin price meanwhile pulls a 5-10x, people start figuring out ways to live with less fiat. Only natural that many leave it by the wayside once this becomes a realistic option.