It doesn’t have to be significantly more. If your expenses were 75% of your paycheck then bitcoin would have to draw down 26% between the time of paycheck to bill pay day for there to be an issue. Not unheard of but unlikely to happen repeatedly.
Not only that, it would only be a problem for the one paycheck.
I’m with you on having an emergency fund but you don’t need 2 years of fiat sitting around and melting away.
