The trick is all values are inter-dependent. Also, not limited to a binary digit. Obviously, with zero health you are dead. 1 / 10 (decimal!) is not good, I'd say it would be pretty bad ;) But 1.00 as being 100% healthy is awesome and pretty uncommon.

Zero money is not that bad - considering the value can be negative! ;) I wonder if the family can be represented by a negative number. I guess if it's toxic then I'd write it negative, so zero is not the worst.

IDK about work - probably having zero work would be at least boring. Also uncommon. You don't need to have a job to have work to do.

Dreams - it's like the exciting force to "farm" the other stats. It should go first, because without dreams you don't set goals, then the system naturally falls apart without the proper maintenance.

The main point is however obvious, you can have zero everywhere but the health - you can still play, HP = 0 => game over.