I'm smart with my money, I invest conservatively. I don't mind paying top-dollar, but I don't want to get ripped off.
Anybody who has ever been in business, anybody who has ever paid bills, anybody who has ever lived in a serious adult life knows that indebtedness is a killer.
If you go on stage with the wrong attitude, or something in your performance is off, you can lose an audience in the first minute. That first minute is crucial.