How is this a dumb idea: have your emergency fund in btc calculated by the current 4yr average price instead of spot.

What do you think?

Example: I spend 1500 fiat points a month and want 9 months emergency fund but don’t want it to sit there evaporating. So I keep 1500*9=13.5k

Current spot price: 58600

Current 4yr average: 33196

So I take 13.5k / 33.1k = 40660000 satoshis

Which, at todays spot price, would cost me

0.4066*58600= 23826 fiat tokens to have a 9 month reserve at (almost) all times. But, I get to hold it in Bitcoin.

Im very curious to hear how this could bite me - other than the scenario where my income disappears all at once and the bitcoin price dumps below the 4yr average like it did with covid.