The idea of why a person would want to buy a whole cow when he only needs to drink some milk is quite an ancient one. My dad always had a bunch of friends, which I did not respect very much, they said this very often to my dad and me when we hung out over weekends. The idea is mostly applied to their views on marriage. And my dad’s single pals were asking why bother getting married when they could visit prostitutes. Now I want to point out that I had a fairly liberal upbringing, my parents would visit lounges over weekends and I take along as a secondary school and JC kid, so I was familiar with the smoke, alcohol and prostitution way before NS.

I thought it would be fun to revisit this idea in the financial realm. If you adopt the mindset of my dad’s single pals, then the same argument