I don't really see many emergencies that can be handled by cash but not by a loan for cash. If you're solvent and people want dollars later, then they will lend you money. If you're not solvent, then whether your immediate liquidity is in credit or cash doesn't make a big difference since you're still not solvent. If nobody wants dollars later (say, asteroid), then it's unlikely that having dollars now is going to fix any emergencies.
If you're solvent and people want dollars later, then they will lend you money.
I don't find that obvious. There is a whole host of issues here, starting with time constraints (e.g. you need money within 24 hours and you can get a loan in five business days) and ending with information asymmetry issues of which lenders are acutely cognizant ("you say you're solvent, but can you prove it?").
If your "access to credit" is a couple of credit cards, yeah, you can get cash fast enough but the terms are rarely what I'd call "reasonable". If you'd actually need a new loan or a line of credit... I don't think I would want to rely on that in an emergency.
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.