> I view 3 weeks without work as a feature, not as a problem.

3 weeks without work can mean real cash issues, especially for those who are just starting out in freelancing. It may be nice to have a three week break but let's be honest, most would be terrified and be frantically hunting for work.

Hardly a feature.

>But I believe that a freelance should always keep at least six months of living expenses worth of funds in liquid assets.

But if you have a six month emergency fund, then it may be a feature I guess ;). Many do not though.