I've been in plenty of tight spots and have needed money more than a few times in my life.
What I will not do is sell my integrity, not for $10 or $10 million, period.
Communication is KING, if I was in that tight I spot I'd tell the guy that I'm spending the money the moment I got it and let him know that if he wasn't happy with the item then I'd find a way to get the money back to him. I'd not tell him that nor attempt to say I have a 'No return policy' after the fact.
Integrity don't go out the window with me, regardless of my financial situation. A man has to have one thing he will never sell.
