The idea might be to maximize your expected wealth, e.g. if you consider this kind of emergencies as relatively unlikely and that even then you'd just have to p

The idea might be to maximize your expected wealth, e.g. if you consider this kind of emergencies as relatively unlikely and that even then you'd just have to pay interests on a credit card while you're recovering for a few months, it could be worth it to invest some of the money you currently have as an emergency fund into something other than cash.