If the necessity payments are biweekly or whatever, and actually scaled to necessities, and spending of them is actually limited to necessities, it shouldn&#x27;t be possible to save many of them up, and not very beneficial either. So there isn&#x27;t a huge benefit to making them survive bankruptcy (the court could even award an extra necessity payment right after adjudicating the bankruptcy).<p>So I think that is a good argument against them being, uh, necessary, and then there is the whole thing where if it is a real currency, it will be fungible, so people will still be able to use them stupidly on things that aren&#x27;t necessities.