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Because rules stop people from spending how they want
You have to pick: option 1, people can spend how they want. Option 2, there are rules
You can't have both options because they are incompatible
Your false dichotomy is incompatible with logic. Without rules there wouldn’t be a definition of money to spend. When saying people should spend how they want, there’s an implicit assumption that there are rules governing what money is. Dropping all the rules invalidates the axioms on which the statement was made.