From the Buddhist perspective, causality works everywhere with no exceptions. Those without merits would only see the ghost, but not the gold, whereas those with merits (e.g., He Li with his courage) would be blessed with treasure, even when encountering a ghost. As the proverb goes, “When lady luck smiles, iron turns to gold; when she frowns, gold turns to iron.” For example, with many of us hoping to strike it rich, investing in stocks has become quite the trend. People with good merits quickly gain a return on their investment, while those lacking in merits bewail their stocks’ depreciation.