It's totally subjective. I have never had 20K in my pocket, just 5K. But when I plan to withdraw money, I dress less than nice, I don't shave myself, I may use

It's totally subjective. I have never had 20K in my pocket, just 5K. But when I plan to withdraw money, I dress less than nice, I don't shave myself, I may use my uglier shoes, etc. And they I forget the money. So I don't look funny, because I'm not thinking about the money. I'm probably eating something bought in the street, so I'm focused on the food. But of course I do agree with everything you say.