Why does Herbert suggest what Mr. White should wish for?

In "The Monkey's Paw," Herbert suggests that Mr. White should wish for two hundred pounds to help pay off their house, reflecting a practical and somewhat humorous approach to the family's financial struggles. His suggestion also embodies a sense of optimism and a desire for positive change, highlighting the mundane aspirations of everyday life. However, the ensuing consequences of the wish reveal the story's underlying themes of caution and the unforeseen repercussions of tampering with fate.