It's only worthwhile as collateral if the consequence of defaulting is expensive enough, and that's culturally variable. To achieve the same level existential

It's only worthwhile as collateral if the consequence of defaulting is expensive enough, and that's culturally variable. To achieve the same level existential anxiety for someone living in the US, you would probably have to take out one of your kidneys and put it in storage with the risk of having it sold or destroyed.