Game theory. If you think you might in the future be threatened by an extortionist, you&#x27;re better off if you can remove your ability to pay because then they won&#x27;t have the incentive to extort you in the first place, and so they won&#x27;t. The same principle applies here. You get an additional option in a bad scenario, but it makes you much more likely to end up in that scenario in the first place.