You gave me a bunch of money. There is an understanding (tos) that it’s now my money. I may or may not let you have it back depending on my whims. Since you

You gave me a bunch of money. There is an understanding (tos) that it’s now my money. I may or may not let you have it back depending on my whims. Since you “gave” me the money, then I can do whatever I want with it. Oh and I can take whatever money out of your bank account it want. Because I want it