If you have five boxes with $5 cash in each. You are $25 dollars richer. 5 X 5 = 25
If you have five boxes with $5 IOU’s in each You are $25 in debt 5 X -5 =-25
If you burn the five boxes with the IOU’s you are $25 better off -5 X -5 = 25
If you burn the box with cash you are $25 worse off -5 X 5 = -25
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