What does the phrase "less money is lost when you go out without incident" mean?

In this era, no matter where you go, you can’t do without spending money. Even if you are walking or riding a bicycle, it still costs money. To put it simply, if you don’t want to take the bus when you go out, you want to save 2 yuan. You can walk to your destination with money, but the sun exposure makes you thirsty on the way. Would you spend money to buy a bottle of mineral water? If you brought your own water then what if you saw the right piece of clothing? Or are you hungry and want to eat some barbecue? This requires spending money. Spending money means losing money. Of course, the original meaning of this sentence is a bit exaggerated. The general meaning is that as long as you go out, you will definitely spend money, no matter how much or how little.