We read as childhood..
If knowledge is confined to books without acquiring knowledge, that knowledge is of no use when it is needed.
Just like that
If your wealth is controlled by a bank or some other third party then the last wealth will not be of use to you in your need.
In our country, when there is a sudden flood or any other natural disaster, the only time of need is the money and food collected at home. The money saved in the bank is not useful in times of dire need but requires the permission of various third parties to withdraw that money.
But in case of a natural disaster, you can lose everything, and if you keep a small part of the money in the bank, in your account, from which you can pay for purchases using a bank card, then this will not be superfluous. I myself used to be against dealing with banks, but in the end, I keep some insignificant amount in the bank, sometimes it is convenient for some small payments for food or services.
Rich people also do not keep a lot of money in the bank, their money works in their investments and their businesses, this can be called real wealth, when your money works and brings income. And fake wealth is when a person has a big house, beautiful cars and many other material values, but all this does not belong to them but is in a mortgage and they can lose it all at any time.