<prompt> Human: I stumbled on this post and while I understand the risks and that nobody should do it... Im still intrigued and wanted to share that very out-of-the-box-thinking of that guy! It might be fake but the OP still had the idea to do it!  <response>: So many small flaws with this plan, but its such an elaborate solution to such a simple problem. Just stop spending money you dont have, and suddenly banks work great. 