Depends on what your goals are, I suppose. The difference between $10k in the bank and $0 in the bank is gargantuan when you need to buy groceries for your kids.
This comment is so out of touch that it almost has to be a parody. The people spending money on scratchers instead of buying groceries don’t ever have the option to have $10k in the bank. These people have probably only seen a comma in their bank account once.
What are you talking about?