Well, without further info, I’d think it would be subtracted from the 50 “necessary expenses” pot.
I “fact-checked” this. My conclusion is that it is impossible to “live comfortably” in any DIM-run large city. Either you will get mugged, carjacked, stabbed, pushed in front of subway train, be raped, have your apartment broken in to, be harassed by street lunatics, have a venezualan gang confront and beat you or have your pets eaten by immigrants from shi**y countries (and many other indignities).