The best analogy I have thought of in respect to the matter is this: Let's pretend I need a gallon of milk, and I am going to give you $20 dollars and send you to the store. I tell you that I prefer the organic kind, but if it is too expensive when you get there, just a regular gallon will do. You return with a pint of regular milk, saying it was a better deal. You also pocket my change. Once I drink the pint in one day, I ask you to go get me more milk with the money I gave you, and you say you dont have it anymore. I'm left drinking water the rest of the week. Now if you would use that money to get me something to drink other than water, or buy me a present or something with, you know, MY money, I probably wouldnt be so angry. At least that way I am some kind of value with my own money that I gave you in the first place.