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See this is where you're misunderstanding me. I'm saying you can spend EARNED money in any way you see fit. You are talking about LOANED money. There's a world of difference. Anyways, I have to be off to school, I'll continue this debate in the evening.
EDIT: Hrae, what's fine on paper should work IRL if implemented correctly. Ciao now. Back in the evening.
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Credits to Loveless for the great signature!
We rode on the winds of the rising storm
We ran to the sounds of thunder
We danced among the lightning bolts
And tore the world asunder
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