It's really unfortunate situation but in my opinion you are doing that with valid reason and if our holdings will not help us in tough times then it's not worth.

And yes, at this moment hodling can help but the prices are suppressed and many are facing the same issues.

Let's hope that we can see next Bull Run for sure. And at this moment uptrend is needed to face some good times for sure. Let's hope for the best.

Wishing you an great day and stay blessed.