more of it吧,不是if.it指cash
句子的意思是既然有钱可借就没必要存钱.
直译就是当你可以借到很多的现金时为什么还要节约（存}）现金呢
应该是指国外的生活方式,美国都是很少用现金的,所以有的人平时会存一些现金留家里,而不是存银行.这句话就是说把你的钱都存进银行去,然后现金就靠借的.
when there is more of if to borrow..这句话是不是有什么问题
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