I'm happy that you clarified him because maybe he is not ready for bitcoin investment, or should I say he is into trading because this is how traders behave. A real investor does not talk or behave like this, they always focus on building their bitcoin portfolio for a very long time, for about 4 to 8 years holding. Traders are always the one complaining about emergency fund and also discretionary consumption and so many things, they always see it in a different perspective, that is why when I'm talking to them, I easily noticed them. I think you have omitted one of the major priority which is discretionary consumption, it also very important to make you comfortable when you are investing in Bitcoin for a very long term.

I think you are misunderstanding @cxtreenal due to his language problem. I have read the bolded sentence several times. I think he meant that there is no guarantee that you will need to use an emergency fund in your long-term investment journey, but you should still have an emergency fund to protect your Bitcoin holdings. Because emergencies are unpredictable, they may or may not come in your life. If that is what he meant, I think he is right.

In the words below and above the bolded part, he is talking about the importance of an emergency fund, only the middle line is controversial. However, we need to be prepared for every outcome of our investments and be prepared for every moment.

This were DCA is very useful for those who don’t have many of opportunities to increase their income . Necessarily Increasing of amount you invest over time is not how DCA works. You can still invest consistently with your limited income, so more it doesn’t put pressure on your basics needs. Making the investment fit your situation is an important part than having to compare their progress with someone who has a bigger income.

Relax man, don't confuse yourself. Are you aware that emergency fund falls under backup fund? So when you say folks should keep backup fund incase they want to buy more Bitcoin during a dip, you need to specify the type of backup fund you’re talking about otherwise it can sound like you are encouraging to use their emergency fund for dips.

If you mean reserve fund, then yes… that is different. A reserve fund is more flexible and can be used for dips and smaller emergencies, unlike emergency funds which should not be touched unless the person has real life emergency and his reserve is not enough to take care of it.

Discretionary consumption is not important to "maintain" your bitcoin investment. It is important for your own comfort and recreational purposes, but when it comes to maintaining your bitcoin portfolio, your discretionary income and backup funds are the priority, and in backup funds, your emergency fund is the most important which serves as a last option not to tap into your holdings in the case of emergencies or financial difficulties.

With this fund, I believe we don't need to worry about solving problems, as we have an emergency fund or reserve fund set aside before starting Bitcoin investment.
This is an advantage for us in investing, as we don't need to use our existing assets, and they will always be a solid asset for our future, accumulating each time we make a purchase.

Our goal in having an emergency fund or reserve fund is to prioritize it only in situations that sometimes require us to use existing assets, but having this fund makes us feel more comfortable in resolving any problems that arise with our investments.

I understand Sir Jay's point of view about poor people figuring out how to increase their income, some people are just so unfortunate and always get hit hard by life to the point that it affects them from progressing even when they're putting much effort too, if i were superstitious i would've said it's a generational curse like some superstitious do think about such people, well their case is understandable.
 However there are those who have opportunities to change their situations but are too lazy to put in effort or sacrifice their time and effort to make sure their situation changes. Everyone can never have equal opportunities but some people misuse their chances of changing their situations, sometimes it might not even be lack of effort but have to patience in allowing their efforts produce live changing opportunities.

It's wrong to delay your bitcoin investment when your discretionary income is available just because you want to set up an emergency funds and reserve funds to protect your investment from premature sales. It's going to waste your time because it can take more than one year for a low income earner to build up his emergency funds of at least three months of his income. You are still a no coiner and there is no need to continue to be a low coiner and start piling up fiat that depreciates in value without getting started with your bitcoin investment that is a long term asset and a store of value overtime.

In the long run, you will only accumulate a little size of bitcoin stash. This is why there is no need wating time just get started provided that you have figured out your discretionary income and how much you want to use to buy bitcoin from it to enable you keep your DCA ongoing till you reach your bitcoin target. Since, you don't have any backup funds before you decided to invest into bitcoin, you can build your bitcoin investment simultaneously with your emergency funds till it has reached three months of your monthly expenses. It's better to be a low coiner than a no coiner.

lastly, some people already have some investment on ground and they choose to diversify from that investment into bitcoin which I don't think that it's a bad idea.

It is best to be a low coiner rather than having no bitcoin. The idea is just to start small even without an emergency funds and it is possible to set up an emergency funds while still ongoing with bitcoin accumulation using a percentage of our discretionary income for doing this. However, most people won't want to start small because they fail to appreciate the importance of starting small. Starting small and being consistent with bitcoin accumulation can really pay up in the long run. I believe there are people that started without already having an emergency funds but today they have a good bitcoin holdings with an emergency funds .