alt Hacker NewsThe terms I've learned to use is rather: Happiness, and Stressors.
If you need your car to earn money, and you don't have the money or other resources to repair it if it breaks - that's a huge uncertainty and a huge source of stress and worry. Liquid funds can remove that source of stress. More drastic examples would include rent or food.
That's why liquid funds can remove impediments and distractions from your life, but once all of those are gone, then what?
I own my home and land, could in a fairly straightforward fashion produce enough food to feed ourselves (although we don't choose to 100% rely on that), and have quality barter type relationships to repair vehicles, and technically could get by just fine with a bicycle for 95% of our transportation needs (although we don't choose to do that either).
Nonetheless, there are more stressors from other things that come along with that... like making personal choices to assist other people with housing, food, and transportation needs, because that's just what you kind of do when you've taken care of that for yourself but you see people around you with various kinds of needs.