Instead of a fixed amount, I would prefer on-need-basis funds. That would be a great way to live. Say, today I have a need for $100, then I should be able to af

Instead of a fixed amount, I would prefer on-need-basis funds. That would be a great way to live. Say, today I have a need for $100, then I should be able to afford it. There should also be a cap on how much a person can spend in a day. That way is better than one huge lumpsum amount in pocket.