Crypto are eternal but life is limited

I wanted to open a debate that I have hardly seen on Reddit. I constantly see people get outraged because someone sells their crypto stock because they are in debt or in need. It is true that if you leave the stock market for several more years HODLing you will obtain more profits (I have read people who will keep it for up to 30-40 years), but it seems that it is not thought that life is finite and illnesses, accidents or that you may be fired from work may arise. I am one of those who think that there must be a balance and it is true, your children should also enjoy the stock market, but I think that in the present we should also enjoy those benefits. What position do you have?