DCA is just accumulating capital. Selling opportunistically to pay for a CT scan or a dentist bill is simply liquidating an asset for personal consumption. It is the definition of using Bitcoin as a store of value.

That is the correct definition. If it doesn't pay the rent, it isn't a job—it's a hobby or a savings vehicle.

Trading implies you are actively churning capital to generate regular cash flow. What you are doing is simply managing your net worth. You accumulate when you can (DCA) and divest when you have a real-world liability to cover.

That distinction is also what protects you. "Traders" are under pressure to perform every month to eat; you only have to sell when the expense is real.

It is exactly that—managing your own personal treasury.

"Money management" is the capital side: holding the asset that preserves purchasing power over time. "Liquidity management" is the currency side: timing your exits into fiat to ensure you get the best exchange rate when you actually need to spend.

Traders try to profit from the volatility. You are just trying to ensure the volatility doesn't punish you when you need to pay a bill. Waiting for the price to be right before converting is just sensible treasury operations, not speculation.