The point is that it's an overly simplistic view of the way money functions

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The point is that physics bounds the possible outcomes.

It doesn't stop stupid people from jumping out a window, the floor just bounds where they will end up

"It doesn't stop stupid people from jumping out a window, the floor just bounds where they will end up." 🤣

I seem to be missing some messages, so not taking a side, but this is a nice turn of phrase