During crashes the volatile coins become painful to spend, but stablecoins hold up fine and are actually more useful when trust in banks wobbles. If you keep a portion in USDC/USDT, you can still spend via card or transfer quickly - no waiting for wires or worrying about bank holidays. I keep an emergency chunk in stables exactly for that reason and have used it during smaller dips last year. The wallet I use handles stablecoin spending seamlessly without forced liquidation: https://plumex.io/ - they focus on making stables practical for daily life even when alts are bleeding. During the last correction I paid rent and utilities this way - felt way more reliable than hoping my bank doesn’t freeze something. Volatility hurts HODL bags, but the stable side still works.