I ' m laughing so hard , Jesus Christ XD <| sep |> What is with people and personal attacks in arguments ? Your philosophy on money is different from my own , certainly . But I wouldn ' t think to tell you that you don ' t understand the value of money because your personal preference for its use differs from mine . It makes it so hard to have a meaningful discussion when people like you feel the need to end all your arguments with some patronizing slight at my intelligence or character . Now , the entire point of money is NOT to delineate between those who have it and those who do not . We certainly do use wealth that way , but the point of currency was to replace the trade system . Rather than trade physical goods , we trade goods for money widely accepted tender . That is all money at its core is meant to do . Beyond that , you are adding cultural meaning to how you spend money . You , personally , seem to think that someone only values money if they keep it for themselves . I , personally , believe that one should keep what they need and then do whatever they want with the rest , whether that be save it , spend it on themselves , or give it away . Charity is not a requirement , but you certainly can ' t say that someone doesn ' t value money simply because they choose charity with their extra money .