This isn't exactly financially-related, but now that YouTube has basic chatting, I just saw a conversation where a guy is pretending to be gay, and therefore he can be "trusted", try to solicit texts of sexual acts (or sexts for short) from this underage girl on there. I've already reported him, and left her a message to warn her of these kinds of danger out there.
Ah, well, since I am here, there is something free I could mention. YouTube also stream different types of music style on there for free. You'll have to google it, but
Oh, and here's a bonus of sorts. I just discovered this guy who I think is just incredible.