Maaser kesafim is a minhag and not a chiyuv, rewarded well. The Dubner Maggid says that there was question above, why Hashem gives one more than kadei chayov, needed for survival? So Hashem said, I will give them ten times as much to be able to give maaser required for survival. If one does not give maaser, he will only get what is needed for his survival. This is what it says עשר בשביל שתתעשר, give maaser to become rich.
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