Well, this only holds so far as you live like someone who doesn't have millions hidden away. It would be difficult to turn this hidden currency into an apprecia

Well, this only holds so far as you live like someone who doesn't have millions hidden away. It would be difficult to turn this hidden currency into an appreciable lifestyle improvement in a way that wouldn't be observable and result in an audit that could prove that your observed expenditures exceed your claimed resources. At best, you could make a bunch of minor improvements that aren't easily observed.