So, to use buildings as example again.
If you have 150K to build a building, you can see how you can't just make it "75k for half a building"..., right?
Good example... if you only have 75k, you can't make the building that you wanted. But you can make a smaller building, with less rooms, less features...!
But I think that point is moot... we're at 1,950,000 now, and 35,000 from other sources, so only 15,000 left with still 7 hours to go.