She's not extravagant or greedy, she tells herself: all she ever wanted was to be protected by layer upon layer of kind, soft, insulating money, so that nobody and nothing could get close enough to harm her.
The protagonist seeks a sense of security through wealth, believing that financial protection can guard her from harm. She reassures herself that her desires are not excessive or selfish; rather, they stem from a fundamental need for safety and comfort in her life.
This longing for insulation from danger speaks to a deeper human instinct to shield oneself from vulnerabilities. The notion of being wrapped in layers of money illustrates how she equates financial stability with emotional safety, reflecting the complex relationship many have with wealth and its perceived protective qualities.
