The quote highlights the contrast between fantasy and the harsh realities of life. It suggests that true life isn’t about luxury or superficial choices, like using a taxi to travel to elite places or owning expensive luggage. Instead, it paints a picture of struggling with everyday problems in a modest home filled with reminders of financial stress.

In this context, the narrator embodies the challenges many face, such as anxiety over debts and uncertainty about how to handle them. The reference to the smell of curry and the threatening letters from the bank emphasizes a sense of anxiety and the weight of financial burdens, presenting a more relatable and authentic view of living beyond appearances.