You find a safe that might contain cash in it. You don't know any safe picking, but a precisely aimed shot may be able to open it. You shoot the lock, roll above 15 to successfully open the door.
Ha, you fool. I have studied and practiced all forms of lock picking techniques. The gun is just insurance.
Due to the panic, you have forgotten your skills. You now rely on your gun. Roll more than 15 to succeed
Then why didn't the dungeon master open up the safe himself and take the money? Create your own money, fool!
We did. Now I'm wrestling with the idea of a god accidentally inflating the entire world economy by making a ton of money.