Even if you have debt, such as a mortgage, but have enough assets to pay it off while still having enough to cover your living expenses from non-wage income, I agree that an emergency fund is less important.

This is especially true if you have a partner who's gainfully employed, owns a successful business, or is retired with a comfortable income.

It's even more especially true if you have few responsibilities (e.g., no kids or all successfully launched adult kids).