WYR get £10k a month for life free, or £100 off every transaction (unlimited), but with caveats?

​

A magical genie offers you a choice

Option 1: £10,000 (or equivalent) a month. No tax, no being questioned where the money came from. The £10k just magically appears in your bank account every month, and everyone accepts it

Option 2: £100 off every individual transaction, and it just magically auto applies. Something costs £112.45? Now it's just £12.45. Anything and everything under £100 is free for life, and you can spend and spam it as much as you want on yourself.

You can be creative as well. Lets say your car insurance is £1200 a year. Pay it off in one go, it now costs £1100. But spread it out to 12 payments of £100 each (ignore the interest that would usually apply), and now it's free. Each individual direct debit or standing order payment counts as a transaction that will get a £100 taken of the price

Restrictions: The £100 off each transaction is meant to save money, and can't be used to earn money in any way. No buying stocks, shares, gambling or gold for example. No paying friends or family for services, and have the money be rerouted to to make all parties rich. The intention of each transaction matters, and you must follow the spirit of the deal. In which you cannot earn money off these transactions, even indirectly.

You can buy yourself a million gifts (as long as you are the intended main user or recipient), but can't spam it for other people to buy them loads of stuff to earn favours instead of cash. For other people, you can only use it to get £100 off something you would have potentially bought anyway.