And in the material, beer and travel money, could be seen as currency.
In the spiritual it is concepts of justice with compassion.
Hence why many choose not to pay the debt due, since it creates a material action to support justice and compassion.
And it is not about personal preference, actually using the term 'beer and travel money' is because any preference is irrelevant to the discussion, so saying beer and travel money, or any other reason, is not the point, but the debt is due.
As far as 'under' wear. Don't get your panties in a bunch.
And as said by someone else, but true for you also, "you have something on your back." Heard that said before.
Doctor Who The Fires Of Pompeii
http://www.youtube.com/watch?v=RTu9Fbujr1A&feature=relatedhttp://www.youtube.com/watch?v=fcIVqgEoCi8&feature=related