If you were a bank Mum would lend 50$ dad would lend 50$ Kid would buy shirt pay mum back 3450$ over 30 years and dad would get back 3450$ over 30 years
The government would then tax kids pocket money 49 cents in the dollar +10 percent gst+10 percent carbon tax to house refugee kids and support overseas manufacturing , and aslo kids who wont help out around the house for pocket money. Mum ad dad would then take a 5% cut (mum and dad fees)of any money you wanted to withdraw because you have to put your pocket money in mum and dad.
Mum and dad then claim they are hard done by for making record annual profits claiming the cant afford to pay the uncles and cousins there three figure pay increases .

Reserve God comes along and says to mum and dad and the whole fambily empire and says "You should be charging less:
So mum and dad say to Reserve god "im sorry we cant pass on any reserve god cuts but if kid needs, we can give him a line of credit cards at an inflated "mum and dad " price so he can purchase all the tea-shirts he wants.