I like the idea of the shark cards, it's a nice option to have. I bought one after realizing I had blown most of my 500K stimulus on vehicle upgrades. After buying a shark card (I think the 200K one) I was able to get a sick apartment with the 10 car garage. I am only level 14-15, so I don't have a bunch of things to spend money on. I upgrade my weapons as the upgrades are unlocked and I'm not a big shopper for clothing. I do like the level unlocks for weapons, crazy clothes and even access to the strip club, the ability to buy property, etc. so that even if you are a level one with 1,000,000 in shark card money, you can't really spend it on dick.