For my 6 month emergency fund, I currently hold them in KDI Save (3%), previously in Versa (~2.4%), both of which are MMFs with quick deposit and withdraw time. Some may strongly disagree that emergency fund should be accessible within minutes, FD is better suited for it, but I personally think 3 days max (weekend) is acceptable for me.

Well, I have a few reasons, some of them may be misguided, but I'm happy to be corrected.

I don't like the idea that there is too much choices, and every one of them have different underlying crypto, and every underlying crypto other than the big 2-3 always feel like its a zero-sum game looking for the next bagholder. I don't want my emergency fund to be worth 50% less on the day I need them the most, I'd have 2 big problem on the worst day of my life. I just can't trust the money will be there for me when I need it.

Secondly, I am not familiar enough with them - I don't know which ramps to trust, I don't know which ramps are available and safe, and whether will it suddenly all crash down and every crypto I've received (even if I sent them myself) is considered income according to LHDN and I wake up one day owning massive amount of tax because I didn't do my paperwork perfectly. I am also not sure about the fees, I don't like that if you jump through 2-3 different hoops you can get a sweeter deal (atom arbitrage for example).

Crypto is the most volatile asset, even more so than Forex.

Also staking has chance of the underlying fund doing a rugpull, disappear, get hacked etc and your cryptos lost with it since they are the custodian.

I bought crypto end of last year at their all time high. Lost 50% of value and have not recovered since then (after China ban). Any big news like China’s ban will trigger another sell off.. most ppl can’t take such losses in such a short time. Also crypto trading is 24/7. Even weekends can’t rip esp if own a lot of them.

Most ppl say don’t own more than 10% crypto of your entire portfolio.. I can see why.

In 50 years crypto might be very valuable.. or just fail and most cryptos disappear. Nobody knows. So would also suggest if wanna buy also go for famous ones like BTC, ETH good enough. At least they have higher value. Going for less known ones is high risk.. you’ll need to monitor them often.

I would not convert all my crypto to Stablecoins. Never know when the next spike would have increasing BTC value by double? Hence I’d want to be ready for that.

Right now I converted my ETH and LTC to BTC and store them at Nexo. Then lock in one month each time earning in Nexo. After one mth convert just enough Nexo to BTC to still keep that platinum membership for higher interest.
That is my plan on keeping BTC now. Till I manage to recover or profit from my previous investment.

For new ppl buying into staking. If they don’t mind the high risk then go ahead. Many other articles warning ppl about dangers of staking.

Wait SPY $5000? You mean $500 strike? That's like a LEAPS strategy right?

I'll stick to the usual ETF and stocks. Possible to have returns of 20% or even more a year or in two years time if you pick the right ones. Much more secured as well.

Well the emergency funds' capital need to be guaranteed. From what I read in staking it's a grey area.

If more to investing (willing to take risk) than yes can consider staking.