An umbrella looks pointless most days and priceless on the one day that counts.

Some things are worth having because you will not need them most of the time. Insurance, a spare key, a friend who knows the whole story: they sit there doing nothing while the weather is fine. Then one day the thing they were for happens, and the whole cost of carrying them is repaid at once. Usefulness averaged over good days is the wrong measure.

Look at what you have quietly stopped maintaining because it has not paid off lately. The savings, the friendship you have not called, the habit that keeps you steady. Keep one of them going without asking what it is currently doing for you.