[votepaunchy]

> Liquidity has value. Keeping say 10-20k in a checking account seems really dumb, but if that let's you avoid bank over draft fees and credit card interest that savings can easily keep up with inflation.

Or a Roth IRA for which th e contributions can be withdrawn tax-free and penalty-free at any time.

[Retric]

Even then it still takes time, effort, and involves risks around both system issues and market crashes etc.

Saying with more effort I can do X and get Y always has the cost of that effort.