Life lesson is about knowledge and understanding. And our minds operate differently to easy than to common sense. If you asked anyone? As a child, if offered a hundred pennies or one whole dollar? Most likely the dollar wins out.
Then when guided by a parent to the truth? You realize which is the better one to choose. And that would be those hundred pennies offered to you.
Because if you lose the dollar? You are completely broke. But if you lose one penny? Most likely that would be quicker to get.
Then it does depends on us operating around common sense? So which one would you choose? Well, if you truly had to.