It's hard but that is one of the tough things for the less financially off people. The reason why most of the rich got off well during a bear market was that they didn't need to sell. It's all about building enough of a buffer so those times don't force you to sell as much.
Precisely. A lot of people dip into crypto/ assets when things are bad, when they should be using them to solidify when things are good, so they don't have to dip in the bad.