Well, yeah, for me, I've always tried to hold as much as I can, but like op has described or said, most of the times, cares of life leaves me no choice but to sell some good portion of my holding, then withdraw the money to enable me solve those problems..
But then, one thing I've come to believe is that, selling bitcoin is not a bad thing, after all, buying and selling is how the currency discovers new prices, which is also how traders get to make some profits or losses - like I was saying, having to sell bitcoin is not a bad thing, but then, one should make sure they are not selling it for useless it for things that will not add any meaning to the person's life, this is in other to avoid regrets at the end of the day.
Right, selling bitcoin is not bad. We must remember that we invest in bitcoin to make more money and improve lives. So, if selling bitcoin can help us with everyday needs and emergencies, why is it called bad? If we have financial difficulty, or an emergency
just because we want to hold bitcoin, we don't sell, pushing us to a dead end. Is it a good thing to hold bitcoins that way? Bitcoin is also money, and it is to serve us, we do not serve it, and it will be useless if it cannot help us in times of trouble.