After toiling for many days for wages, it is easy enough to lose your money in the money blackhole in just minutes. This is very important, especially for us who earn in US dollars but get it in local currency. The exchange rate leaves you, well, short changed. Now, to get a taste of the money blackhole, just in theory of course since no one will be fool enough to try it. Say you earn $100 dollars, then have it exchanged for local currency. This should give a sense of fulfillment since you think you get 'more' from what you earned. Then exchange it back to dollars once more and you will never get back your $100. Repeat the process over and over which will surely leave you with zero money. The blackhole is forever there, you just have to stay away from it as much as possible.