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Also, there's loads of games where you can either directly or indirectly send others users money you obtained with irl money
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Yeah most games has two types of in-game money, the second type is when you have to use in-reality money to buy it. You usually can gift this type of in-game money.
There is no big disadvantages in that because, you can't obtain this type of in-game by doing an activity inside the game. We can't really say Graal in-game money is this type.