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that is, something you can liquidate if a loan repayment fails

Yes.

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it is also there for if you suddenly need to spend a lot of money, like if a hurricane blows your house down

Yes. Don't need 500 Bitcoin to do that.

but 500 bitcoin you can help your whole village rebuild

i know you and me both veer towards vanity but this in one area i find it easy to understand, probably because i'm a man

Only if you were inclined to help your neighbors.

well, are you?

I already do. Don't need Bitcoin for that.

but if you don't stack sats then The Man is stealing from your ability to do good for those around you