The lack of money "accumulates" because you always have a chance to receive money, but when you run out of money you cannot give more. So there is a lower cap b

The lack of money "accumulates" because you always have a chance to receive money, but when you run out of money you cannot give more. So there is a lower cap but no more upper cap. In the real world this is even worse. Once you're out of money your chances of getting money go down drastically.