Let's say I go out and I spend $50 on you.
It's a laborious activity because I have to imagine what you need where you know what you need.
I could simplify things, just give you the $50 directly..
and then you could give me $50 on my birthday and so on...
until one of us dies, leaving the other one old and $50 richer.
And I ask you, is it worth it?
<The big bang theory s01ep16, The peanut reaction>