If you have a house you have shelter. That has value outside of monetary value. If you have a car you have transportation. That has value outside of monetary value. Money is something you acquire NOT to consume.

public service announcement: you can (and should) take HELOCs out on your house up to 90% LTV. So you're only stuck leaving 10% of its value in the house shit coin. And if you're buying you should pay the min down payment which can be 0% but never do more than 5%.