Money cheat. Yay or Nay?

Starting as let's say, "The Goths" or "The Laandgrabs" or any premades is cheating then since they don't start with a §20 000 or less home with the cost of the home taken off what they have left to start with. :|

Or if you start with a household of 8 people then you still only get §20 000 to start with. You could start them all as different households then combine them for §160 000. But that would be "cheating" right? :p