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”
Discussion
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. 