Henry L. Stimson quotes
"The chief lesson I have learned in a long life is that the only way to make a man trustworthy is to trust him; and the surest way to make him untrustworthy is to distrust him and show your distrust."
The art of living easily as to money is to pitch your scale of living one degree below your means.
In answer to the question of why it happened, I offer the modest proposal that our Universe is simply one of those things which
"The chief lesson I have learned in a long life is that the only way to make a man trustworthy is to trust him; and the surest way to make him untrustworthy is to distrust him and show your distrust."