I guess what they say is true... "When you assume, you make an ass out of you and me".
Not that I have anything to prove...
I have business licenses, house licenses, and vehicle licenses left over from when they were bugged and free at the beginning of RS5. Like others, I was allowed to keep them. My source of income is from a series of repayed loans, fire missions, and drugs. All of which was mostly obtained in the period I was fired from the dev team (so couldn't have spawned in). In addition the system works to counter spawned money (removing avenues to do so, e.g dev/manager spawned vehicles have no value), and no command exists for managers to spawn money per Gandalf's demands. Additionally, I wrote the economy so I know exactly how to make full use of different systems in order to obtain profit.
Hope this clears things up.