I do not need or want the other things. The money would be nice to have, and one cannot scoff at perfect credit. Also, I have medical issues that are not being treated because my insurance does not cover them or it costs too much, even with insurance.
I, because, well, it;s cash in hand
6 because think of the money I would have to spend on fun things if I didn't have to buy food for 5 years.
8 because sooner or later we almost all need expensive medical care, even the not that expensive adds up.