Note: My comment is only for the Subject.
For the rest I haven't read it, as it's general and worth answering my view on it is, that crypto savings don't exist, in crypto, you sell, hold, or buy there is nothing like savings, if you are trying to call holding as saving bro you are in a big mistake and correct yourself, savings are for the emergency, and crypto cant helps you in the emergency due to its volatile nature. You should always save in the fiat currency or stable assets.
Holding falls under the investment category and you should acknowledge that every investment is based on risk to reward, and if a person is in high-risk assets and trying to say his investment as a savior in an emergency he should learn more about it because it won't help you in making good returns as well as on-time saviors.