Minutes ago my sister popped this question after originally asking if I’ve made personal finance changes recently. I kept it short. She hasn’t asked any follow-ups yet 🥲 
Discussion
You should have gone with “because I don’t like to get debased” or “because I don’t have to ask for permission to transact”
I almost said hardest money. And then doubted she would understand that. I kinda doubt she knows the debasement concept in that term.
I did use the 2nd part. She’s procrastinating rolling her old job’s 401k into an IRA because she thinks it’s difficult. 
