Art. 93 SchKG; relative unseizability of saved wages and allocation of competence assets. Saved wages are only relatively exempt. If the debtor’s current wage claim exceeding the competence minimum is uncertain, the debtor may demand that a clearly existing cash asset be left unseized as competence property rather than forcing seizure of a doubtful higher wage claim. The purpose of the competence privilege is to secure the debtor’s effective use and enjoyment of assets; where one asset is certain and the other doubtful, the certain asset is to be preferred (consid. 2).