At least the hypercurated database would be yours and nobody can temper with it or subtract it from you , contrary to the 100k which can be gone in an instant if the bank decides that you are behaving according to abnomal patterns which could be as stupid as flying to Colombia for a vacation and having a good time over there in the many establishments offering a good time for guys.
Also banks hate it when you spend it and try every possible move to prevent you from doing so.
Maybe I am alone in this but I will start paying much more attention to stuff (both material stuff and experiences) and the funnel to get stuff close to the source and hence get a much better deal for it. What I'd be doing less and less is blindly plowing ahead with vulgar accumulation, because said accumulated money is not yours and can be taken away from you at any time
This could be very well be an extension to what already happens with food and water whose consumption is very much just-in-time as opposed to accumulation for long periods of time
Money could very well follow this trend and the goal could be having just enough to get through tomorrow and trying to get the best deal on purchases from now to then , knowing that tomorrow another inflow would arrive and the process would repeat itself over and over again.