There's nothing wrong with allowance mode C2W and, quite frankly, you seem to enjoy being the bad guy.
That idea seems pretty popular to me. Maybe your parents were rich and you got to play $50.00 worth of arcades or more everytime you went, but my brothers and I usually had about $2.50 a day to work with at the arcade. It's a simulation thing. You wouldn't understand if you're younger than me and didn't go to the arcade much because the home consoles were already better than the arcades.