The unwillingness to take risks also comes from this fear of not having the money when it is needed. Therefore, people stay with money in near-liquid products or bank deposits that are easily cashed if need arises. It is a reasonable fear. We all do have situations where we need the money – it could be a medical emergency, a job loss, some disability or health issue that prevents us from earning. But there is a way to keep money aside for such emergencies and then free up our savings for the future.
