In Dick Francis's novel "To the Hilt," a character expresses concerns about stagnant money, questioning its effectiveness if it merely sits idle rather than being invested or used. This highlights a common dilemma regarding financial management and the potential lost opportunities that come from not taking action. The quote reflects a deeper anxiety about money’s value and the importance of making decisions that allow for growth and use.

Francis often explores themes of risk and investment in his works, and this quote illustrates a pragmatic viewpoint on finances, emphasizing the need to engage with one's resources actively. It serves as a reminder that simply holding onto wealth without strategizing its use could lead to missed chances for obtaining greater financial benefits or fulfilling one's aspirations.