I voted no, but in all honestly a third option of “indifferent” would be more accurate. I haven’t been in the community long or very actively, but I’ve seen others with and without the feature before and it in large part doesn’t make much of a difference in terms of how money is used. There is generally a natural progression of how it affects player behavior though.
Players - generally newer, less familiar with the server and how to make money in it - grind at a job for hours and become fearful of losing what money they have, and so avoid carrying much of it at all. Usually only exactly what they need for a large purchase that’s going to be offloaded as quickly as possible or enough to buy their next meal / fill up at the gas pump. In turn, some crims grow frustrated that players don’t carry enough on them to make mugging worthwhile.
Occasionally people will carry money expressly for the purpose of having enough on them to give to crims, or servers will try to encourage the community as a whole to do so. How effective that is is up for debate.
All in all I don’t see it making much of a difference in the long run. The general rule of “don’t carry what you aren’t comfortable with losing” will hold true and people who don’t want to lose it will avoid carrying it if they can.