Money cheat. Yay or Nay?

There was a time when I cheated to give my Sims more stuff when they were just starting out. But that just made Sims4 too easy, and I like the challenge of seeing home lots change as my Sims become more successful and can afford nicer things. These days, because so many of my played Sims are too wealthy, the bigger challenge is keeping them from becoming wealthier than what I think is realistic even for a Sims game. My Sims donate a lot of money to charities almost daily, as well as give hand outs to NPCs that seem a bit down on their luck. I buy expensive decor items and put those in my Sims' personal inventory to give to Uni students. I also play a Riches to Rags story where my Sim is addicted to playing cards, but isn't very lucky, and he ended up losing a fine home along his wife who happened to have the materialistic trait. She was not at all happy when their stuff was being sold off is all I can say about that. The final straw was having the repo man show up and take the hot tub along with an antique rug, and she nearly died of anger right on the spot. He was booted out and has been trying to win back all the Simoleans he lost but it isn't going very well for him at the moment. The money mods I use have added a lot of surprises and storytelling tools, and I can't play without them now.