Someone with no money must survive with short term thinking: hunt and kill a wombat on the savanna or something. From there you work your way away from short term thinking; you might have enough to get through the week already, so the threat of starvation is more long term. Eventually with enough in the bank you have nearly no urgency; you could conceivably mishandle your bonds when they mature in twenty years or something. But with enough money, literally the only risk is short term thinking and immediacy. Bending over to pick up a penny is not going to even be considered.

If my ship ever really comes in and docks at the harbor I’m going to remember to keep my wallet full of cash, so I can stop and get that strawberry ice cream cone without worrying about the long term consequences, which are all I would have left.