BTC IS my liquidity for emergencies. if it gets any more emergent than that, I gotta go to the gun rack anyway so it's every plleb for themselves at that point

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Yeah but converting BTC to Fiat takes about 3 Days if you’re doing it the ach way.

I’m sure there’s workarounds like Spritz finance, Bitpay, & Strike’s Bill pay but that only covers some fiat, other fiat mechanism might need a debit card, etc. that just doesn’t click into place well with Bitcoin.

Agreed. Understood. Bucket of silver dollars and a few k in fiat works for real shtf situations.