I hate having my Sims live in squalor when they're just starting out and unable to afford a decent shower, stove, bed, etc. But I also would prefer not to use cheats if I can avoid it. I sometimes use the Motherlode to help my Sim out at the beginning, but I never feel good about cheating and wish there was a way for Sims to borrow money and repay it, possibly with a little interest.