day to day life. sure food can be cheap but that is also usually just noodles or wontons which leave you needing something more nutritious, transit, cab when the metro closes at 9 pm, your sim card, entrance fee to a museum, long underwear since you are relocating near siberia, things come up in the course of living that aren't rent or food (hopefully, unless you are a bland robot tethered to your dorm room). And god forbid you have a credit card payment, or a private student loan that doesn't care about forbearance, or need to get a teatnus shot or something and the bad fulbright insurance isn't covering it, or you crack your tooth on something in the 10 quai dumplings you resigned to eating... then what do you do?