Game theory. If you think you might in the future be threatened by an extortionist, you're better off if you can remove your ability to pay because then they wo

Game theory. If you think you might in the future be threatened by an extortionist, you're better off if you can remove your ability to pay because then they won't have the incentive to extort you in the first place, and so they won't. The same principle applies here. You get an additional option in a bad scenario, but it makes you much more likely to end up in that scenario in the first place.