It's a bit curious that most (only 5 so far) answers mention things like daily limits to each of your own bank accounts, when the question specifically stated y

It's a bit curious that most (only 5 so far) answers mention things like daily limits to each of your own bank accounts, when the question specifically stated you are allowed to utilize your existing personal connections (friends and coworkers). Why would you not tell as many friends and family as possible about transferring the max daily limit to all of their accounts? Several ways to spin / think about this: - "Can you send me back some of that money later?" - Most friends/coworkers who are decent people will probably send you back half of it. For those that don't: - They are probably really in need, in which case you did a good deed helping them out, or; - They are bad people. Cheap price to pay (actually, free to you) to see their real side. Depending on how many people respond to your mass sms/IMs quickly enough, you can probably send the daily limit to anywhere from 100 to 500 people. This is probably more impactful than giving yourself X amount of money. And then if you have time left, there's donations to charity which you can typically use credit cards / bank transfers for (instantly usually?). Donate maximum limit to every charity you can think of. Maybe you'll even contribute to the development of a COVID vaccine?