Idk man I camped therisa for a month, got tier 5, bought 10 prowlers, turned in my license. Not that complex
ALSO, I fucking hated being a vigi, I just wanted the prowlers, I don't pay for shit from other people, I'm stingy
In theory, it would be to pay each other back without having to pull cash out and risk such a transaction, but I can see how it would quickly devolve into people spamming others with invoices.