The scenario I am considering is all income and savings are in Bitcoin and there is no struggle to make ends meet. And from a strictly best financial decision point of view I agree holding the Bitcoin for as long as possible is the best strategy. But to avoid an admittedly small change of worst case scenario where Bitcoin stays lower longer and now I am struggling with the debt, It might be prudent to pay the debt of quicker if given the chance even if it is the “wrong” economical decision. Basically lose some upside gain but avoid any worst case scenario situation.