I don&#x27;t think it unrealistic to say that the removal of money (at least at certain levels) is going to make you unhappy. In the worst case all your money is removed, you can&#x27;t make rent, and get kicked out. Now you&#x27;re homeless, and either sleeping on people&#x27;s couches or the street, and I bet you wouldn&#x27;t be smiling in that situation.