well, i am guilty, i have a check from my parents from my birthday at the end of june. i simply haven't gone to the bank. I do think Cat needs to make an attempt, but he shouldn't have to jump through hoops, in fact, i may say that simply making this 'unnecessary' attempt is 'jumping through hoops'. but if they never act on it, i would do the scenario i painted, use the money to go shopping for the local food bank.