It doesn’t sound like you understand the purpose of an emergency fund or what it is. It’s for when a random virus takes down society and you lose your job, but

It doesn’t sound like you understand the purpose of an emergency fund or what it is. It’s for when a random virus takes down society and you lose your job, but you and your family still need to pay for rent and food for 6 months. That’s why you save x months worth of expenses in cash. If you’re young and don’t have family/debt you can just use your ira as an emergency fund. If you have a family and kids you need cash available for unexpected events. Most people don’t have tech jobs where they make 5k every two weeks. A car accident with no emergency fund means many people can’t get to work, lose their job, etc. They need safe cash for emergencies.