Warning: the following penalties are not for the faint of heart.
1. Penalty 1: Automatic Debit of Your Life Savings will be applied if you dare to dream of early retirement.
2. Penalty 2: Forced Participation in a Timeshare Presentation will be enforced if you even think about buying a timeshare.
3. Penalty 3: The Unrelenting Soundtrack of Despair will haunt you if you fail to pay your credit card bills.
Don't say we didn't warn you...