Except instead of a fixed (or decreasing as people slowly accidentally lose or leave the game with them in their bank) amount anyone can make a new (ugly as hel

Except instead of a fixed (or decreasing as people slowly accidentally lose or leave the game with them in their bank) amount anyone can make a new (ugly as hell) party hat any time. Oh and the party hat could just disappear leaving you with a receipt saying you own... something no one can see any more.