I agree, and I think this is the basis for a nice essay. Having money provides a safety net: insurance against serious life disruption. For example: Car broke

I agree, and I think this is the basis for a nice essay. Having money provides a safety net: insurance against serious life disruption. For example: Car broke down? No problem, just drive the other car or take Uber for a week. Rent goes up? No problem, just buy less clothing each month. Very ill? No problem, just pay for immediate health care.