The no-kyc thing is simply to detach yourself from the corrupt fiat system while telling the IRS to GFY at the same time. Bitcoin was designed as a peer-to-peer cash system and there is no reason to even cater to the idea of using custodians (such as bank) to store YOUR money.

I do however agree that one should have a small KYC stack as well for the given reasons. You're better off to borrow against some of your BTC if you get into such a situation than selling the sats. You'll never get them back at their original exchange rate.

However, there is no logical reason to believe that legacy finance, banks and co will ever not scam their customers (one way or another) or that your accounts get frozen (for any or no reason) or that your custodian rejects your transactions just like some Banks already do when people try to transact with THEIR fiat. In particular if they want to swap that fiat for Bitcoin.