Aye. It's a metaphor for money.

Money that's not being invested, spent, or usefully utilized is simply wasted.
Even the most simple interest-accumulation is better than simply holding a currency and doing nothing with it. Unless you have some sort of plan, I suppose. But even a plan is better than doing truly nothing.

No matter if you get burned on hot water or bad investments, it's better than if you sit in fear and do nothing, right?