OK ... please explain?
Are you talking about taking loans using your coins as collateral? With the kind of volatility BTC exhibits, that's quite a gutsy proposition.
Any other way to get cash without selling your coins?
There is no place on Earth where you need to spend Bitcoin to live. There is always another option.
If you believe Bitcoin to be better money than Fiat then you won't spend Bitcoin and Gresham's law applies.
because living involves consumption of various resources, other than just coins.