George Orwell once spent a few weeks in London and Paris without any money.
Orwell discovered something interesting about money. When he had a little money, he was constantly worried about how to ration it, where to spend it, how to keep it safe, and so on. He was always dreading the state of having no money at all. However, when he completley ran out of money, all of these worries evaporated. It was also not as dreadful as he had feared.
Having only a little to lose is nerve-wracking vs. having nothing to lose.
Inspiration: Down and out in Paris and London
Observations 