I wish it was that simple. anyway back to the topic on hand...
Nothing wrong with using the banks money , can be done very successfully if your switched on and stay focussed on the reason for using it.
Cheers Ean
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Reminds me - about 55 years ago I was working in Roma. For Christmas my American boss went to Surfer's.
When we resumed work after Christmas, he was in a terrible state. He went to sleep on the beach wearing only his swimmers and a hat over his face. So his face was OK, but his whole chest was weeping, as were the inside of his arms, but the worst was his shins and knees. It was the worst I've ever seen!
I saw the same thing in Bali in the early 70s. A red-headed Pommie girl did the same - topless. She had large puffy blisters on her chest (not large puffy nipples on her breasts. [bigwhistle] )
It's not about the money
https://www.youtube.com/watch?v=qMxX-QOV9tI