Therefore, it is always recommended to keep some cash (stable coin) at hand

I agree with this. I often hear people say buy the dip. But what happens when it keeps diping and you keep buying. Eventually you will become illiquid and the only other option will be to sell which may inevitable result in loss of some kind.

Denial
What we sometimes fail to understand is we can never truly prepare for what reality will throw at us. We will always be thrown off guard before we regain composure and sometimes we are still not able to appropriately handle the situation

Dispute
Like you rightly stated there are more constructive ways to resolve disputes but sometimes people like to take the high way first.