Just a thought, and maybe not the most favorable one, but what if you could only send money if you're VIP? This might prevent those looking to create accounts to simply rack up the money. It may also give users another incentive to purchase VIP. 

I think this would be super helpful, as Casimir said for the HoH, but also for Management and their teams. This is a great idea! It might make the function of the clubs flow easier and, as stated earlier, easier to find.