Potential answers for "Not easily cashed in"

⭐⭐⭐⭐ ILLIQUID
⭐⭐⭐ LIQUIDASSETS
⭐⭐ REDEEMED
⭐⭐ STICKLER
⭐⭐ NETPAY
⭐⭐ HARD
⭐⭐ EVEN
⭐⭐ EVENTEMPERED
⭐⭐ HABITS
⭐⭐ ELUSIVE

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