If I go to an ammunation, I look at my money.
"Oh, I have 50k. BUY LOTS OF GUNS."
Use half of them, die.
Bank 40k first..
"Oh, I only have 10k. Buy some guns."
Use all of them, die.
Thats why we bank, because then in our eyes we 'feel' like we have less money. I don't think it gains interest, though.
And I really don't think /rob works either, but maybe it does..