Better relationships on average. What works best for you might not align with the average for your cohort. Adapting average-based advice to your individual characteristics often results in a better match to what's best for you than following the average ignoring your individual characteristics.

> Better relationships on average.

And exercising more and smoking less increases health, longevity, and well-being on average—unless you get hit by a truck.

There are no guarantees in life except that it will end, so you might as well try to stack the averages and odds in your favour whenever you can.

Smoking is never good for you, and exercising virtually always is. By contrast, "stacking the deck" on the specific issue of finances may or may not be helpful for a particular relationship and should be assessed case by case.

So, I don't think they're the best analogies.

Relationships are about trust, not blind trust but a good history of verifiable trust.

we have less than <1% of our wealth in checking account, rest is distributed amongst various accounts and investments.

“Do what works for you” is the pragmatic advice.