When you've got that bit of extra money you really want to believe that it's real and that it's important. So you swap it for an ISA or a mortgage or stocks & shares. But then you find that's not really real at all. That it's only worth what everyone agrees it's worth at a moment in time. You find that expressions like 'safe as houses' and 'money in the bank' are nothing but a parcel of lies and keek.
I liked recessions and global financial meltdowns far better when I had fuck all.