Money cheat. Yay or Nay?

Actually neither answer really appIies to me, but since 'motherlode' was specifically referenced, I chose no. I don't use cheats to increase my Sims' funds, only to set them to zero. It's not that I have an issue with it or anything, I just really enjoy starting a Sim out on an empty lot with no funds (usually in Oasis Springs) and then do whatever it takes to finally afford 4 walls. And if I want to make money quickly, I use the first couple of thousand Simoleons to take them to Selvadorada. Or I fish for some dragon fruit in Magnolia Promenade and start planting.
I do enjoy reading about how differently people play the game and it is good the cheats are available to give us the choice.