You seem convinced that nothing can go wrong and that's just not true. Tons of stuff can go wrong that have nothing to do with you. There are lots of stories on here of people putting their family's on the hook for debts. Big ones.
You also say you dont understand the stealth system. Leave your mom out of it and learn stealth. You cant have it both ways, sorry. You need to learn how it works. There is no easy way out. By not knowing the system your moms account may not last long anyway.
Its hard to wrap your head around the system sometimes, I know. But by learning it you give yourself a huge advantage when playing with those clowns.
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